KB 0001193125-26-350220 6-K Filing: Aug 14, 2026

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16 UNDER

THE SECURITIES EXCHANGE ACT OF 1934

For the month of August 2026

Commission File Number: 000-53445

KB Financial Group Inc.

(Translation of registrant’s name into English)

26, Gukjegeumyung-ro 8-gil, Yeongdeungpo-gu, Seoul 07331, Korea

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F ☒ Form 40-F ☐

Index

1. Summary of the 2026 First Half Business Report

2. Exhibit 99.1 KB Financial Group Review Report for the First Half of 2026 (Consolidated)

3. Exhibit 99.2 KB Financial Group Review Report for the First Half of 2026 (Separate)

TABLE OF CONTENTS

1.	Introduction to the Company
1.1.	Business Purpose
1.2.	History
1.3.	Overview of the Business Group
1.4.	Capital Structure
1.5.	Dividends
1.6.	Amendments to the Articles of Incorporation
2.	Business
2.1.	Results of Operations
2.2.	Sources and Uses of Funds
2.3.	Other Information to Consider in Making an Investment Decision
3.	Financial Information
3.1.	Consolidated Financial Information
3.2.	Separate Financial Information
3.3.	Other Selected Financial Data
3.4.	Other Financial Information
4.	Independent Public Accountants
4.1.	Audit/ Review Services
4.2.	Public Company Accounting Oversight Board (“PCAOB”) Audit Services
4.3.	Change in Auditor
5.	Corporate Governance and Affiliated Companies
5.1.	Board of Directors & Committees under the Board
5.2.	Audit Committee
5.3.	Compensation to Directors
5.4.	Top 5 Highest-Paid Individuals
5.5.	Stock-based Compensation
5.6.	Affiliated Companies
6.	Directors, Senior Management and Employees
6.1.	Executive Directors
6.2.	Non-standing Directors
6.3.	Non-executive Directors
6.4.	Senior Management
6.5.	Employees
7.	Major Shareholders and Related Party Transactions
7.1.	Major Shareholders
7.2.	Changes in the Largest Shareholder
7.3.	Employee Stock Ownership Association
7.4.	Investments in Affiliated Companies
7.5.	Related Party Transactions

8.	Internal Controls
8.1.	Management’s Assessment of the Effectiveness of the Internal Accounting Management System
8.2.	Audit Committee’s Assessment of the Effectiveness of the Internal Accounting Management System
8.3.	External Auditor’s Audit Opinion (Review Report) on the Effectiveness of the Internal Accounting Management System

Summary of 2026 First Half Business Report

On August 14, 2026, KB Financial Group Inc. (“KB Financial Group,” the “Company” or the “Group”) filed its business report for the first half of 2026 (the “Business Report”) with the Financial Services Commission of Korea and the Korea Exchange. This is a summary of the Business Report translated into English.

Except where indicated otherwise, financial information contained in this summary have been prepared in accordance with the Korean equivalent of International Financial Reporting Standards (“K-IFRS”), which differ in certain important respects from generally accepted accounting principles in the United States.

All references to “KB Financial Group,” “we,” “us,” the “Company” or the “Group” are to KB Financial Group and, unless the context requires otherwise, its subsidiaries. In addition, all references to “Won” or “KRW” in this document are to the currency of the Republic of Korea.

1. Introduction to the Company

1.1. Business Purpose

KB Financial Group is a financial holding company that was established in September 2008. Its main business purpose is to hold shares in companies that are engaged in financial or related services, as well as govern and manage such companies. Its consolidated subsidiaries are primarily engaged in the banking business, as well as the credit card business, the financial investment business, the insurance business and other related businesses.

1.2. History

•	September 26, 2008

Obtained final approval from the Financial Services Commission to establish a financial holding company

•	September 29, 2008

Establishment of the Company through a comprehensive stock transfer and listing on the New York Stock Exchange

•	October 10, 2008

Listing on the Korea Exchange

•	October 20, 2008

The largest shareholder of the Company changed from the Korean National Pension Service to ING Bank N.V.

•	October 31, 2008

The largest shareholder of the Company changed from ING Bank N.V. to the Korean National Pension Service

•	May 4, 2009

Added Kookmin Bank Cambodia PLC. as a second-tier subsidiary

•	June 22, 2009

Added KB Life Insurance Co., Ltd. (“KB Life Insurance”), formerly a second-tier subsidiary, as a first-tier subsidiary

•	July 1, 2009

Changed the name of KB Venture Capital Co., Ltd. to KB Investment Co., Ltd. (“KB Investment”)

•	January 22, 2010

The largest shareholder of the Company changed from the Korean National Pension Service to ING Bank N.V.

•	March 2, 2011

Added KB Kookmin Card Co., Ltd. (“KB Kookmin Card”) as a first-tier subsidiary following the spin-off of Kookmin Bank’s credit card business unit.

•	March 14, 2011

KB Futures Co., Ltd. was merged into KB Investment & Securities Co., Ltd. (“KB Investment & Securities”)

•	July 8, 2011

The largest shareholder of the Company changed from ING Bank N.V. to the Korean National Pension Service

•	January 13, 2012

Added KB Savings Bank Co., Ltd. (“KB Savings Bank”) as a first-tier subsidiary

•	October 10, 2012

Added KB Kookmin Bank (China) Ltd. as a second-tier subsidiary

•	June 20, 2013

Acquired the remaining shares of KB Life Insurance, which increased the Company’s shareholding to 100%

•	September 2, 2013

Added Yehansoul Savings Bank as a first-tier subsidiary

•	January 13, 2014

Yehansoul Savings Bank was merged into KB Savings Bank

•	March 20, 2014

Added KB Capital Co., Ltd. (“KB Capital”) as a first-tier subsidiary

•	June 24, 2015

Added KB Insurance Co., Ltd. (“KB Insurance”) as a non-consolidated first-tier subsidiary

•	November 23, 2015

Acquired additional shares of KB Insurance, which increased the Company’s shareholding from 19.47% to 33.29%

•	May 31, 2016

Added Hyundai Securities Co., Ltd. (“Hyundai Securities”) as a non-consolidated first-tier subsidiary

•	June 21, 2016

Disposed of LIG Investment & Securities, Co., Ltd., a second-tier subsidiary

•	June 28, 2016

Acquired treasury shares of Hyundai Securities, which increased the Company’s equity ownership in Hyundai Securities from 22.56% to 29.62%

•	December 1, 2016

Added KB Golden Life Care Co., Ltd. as a second-tier subsidiary

•	December 30, 2016

Merged KB Investment & Securities with and into Hyundai Securities, with Hyundai Securities as the surviving entity, then changed its name to KB Securities Co., Ltd. (“KB Securities”)

•	February 8, 2017

Added KB KOLAO LEASING Co., Ltd. as a second-tier subsidiary

•	March 8, 2017

Added KB Microfinance Myanmar Co., Ltd. as a second-tier subsidiary

•	July 7, 2017

Converted KB Insurance and KB Capital into wholly-owned subsidiaries of the Company through comprehensive stock swaps

•	September 29, 2017

Added KB Asset Management Singapore Pte. Ltd. as a second-tier subsidiary (changed from a second-tier subsidiary of KB Securities to a first-tier subsidiary of KB Asset Management Co., Ltd.)

•	October 9, 2017

Added KB SECURITIES VIETNAM JOINT STOCK COMPANY (formerly MARITIME SECURITIES INCORPORATION) as a second-tier subsidiary

•	October 16, 2017

Disposed of Hyundai Savings Bank, Co., Ltd., a second-tier subsidiary

•	December 22, 2017

Disposed of Hyundai Asset Management, Co., Ltd., a second-tier subsidiary

•	July 6, 2018

Added KB Daehan Specialized Bank PLC. as a second-tier subsidiary

•	August 21, 2018

Added KBAM Shanghai Advisory Services Co., Ltd. as a second-tier subsidiary

•	April 10, 2020

Added PRASAC Microfinance Institution PLC. as a second-tier subsidiary

•	May 18, 2020

Added PT Sunindo Kookmin Best Finance as a second-tier subsidiary

•	July 3, 2020

Added PT KB Finansia Multi Finance as a second-tier subsidiary

•	August 31, 2020

Added Prudential Life Insurance Company of Korea, Ltd. (“Prudential Life Insurance”) as a first-tier subsidiary

•	September 2, 2020

Added PT Bank Bukopin Tbk as a second-tier subsidiary (renamed PT Bank KB Bukopin, Tbk. on February 8, 2021)

•	December 16, 2020

Added KB FINA JOINT STOCK COMPANY as a second-tier subsidiary

•	December 23, 2020

Added KB Bank Myanmar Co., Ltd. as a second-tier subsidiary

•	January 29, 2021

Added J Fintech Co., Ltd as a second-tier subsidiary (renamed KB J Capital Co., Ltd. on February 16, 2021)

•	March 2, 2021

Added PT KB Data Systems Indonesia as a second-tier subsidiary

•	October 8, 2021

Added KB Healthcare Co., Ltd. as a second-tier subsidiary

•	February 14, 2022

Added PT KB Valbury Sekuritas as a second-tier subsidiary

•	May 10, 2022

Added KB Life Partners Co., Ltd. as a second-tier subsidiary

•	December 26, 2022

Added i-Finance Leasing Plc. as a second-tier subsidiary

•	December 26, 2022

Renamed Prudential Life Insurance Company of Korea, Ltd. to KB Life Insurance Co., Ltd.

•	January 1, 2023

Merged KB Life Insurance with and into KB Life Insurance Co., Ltd. (former Prudential Life Insurance Company of Korea, Ltd.)

•	June 30, 2023

Withdrew KB Credit Information Co., Ltd. as a first-tier subsidiary and added it as a second-tier subsidiary as it became a subsidiary of KB Kookmin Card Co., Ltd. (a first-tier subsidiary)

•	August 4, 2023

Merged KB Bank Cambodia Plc. with and into PRASAC Microfinance Institution Plc.; renamed the merged entity KB PRASAC BANK PLC. and converted it into a commercial bank

•	October 5, 2023

Transferred KB Golden Life Care Co., Ltd. from being a subsidiary of KB Insurance Co., Ltd. to a subsidiary of KB Life Insurance Co., Ltd.

•	December 13, 2023

Added Teamwink Inc. as a second-tier subsidiary (renamed to KBFintech Co., Ltd. on October 14, 2024)

•	June 3, 2024

Added KB Fund Partners as a second-tier subsidiary following the split-off of Kookmin Bank’s fund services business unit

•	June 5, 2024

Renamed PT Valbury Capital Management to PT KB Valbury Asset Management

•	December 19, 2024

Merged KB Daehan Specialized Bank Plc. with i-Finance Leasing Plc.

•	February 18, 2025

Renamed KB Fina Joint Stock Company to KB Fina Company Limited

•	August 11, 2025

Renamed PT Bank KB Bukopin, Tbk. to PT Bank KB Indonesia, Tbk.

•	April 24, 2026

Withdrew KBAM Shanghai Advisory Services Co., Ltd. as a second-tier subsidiary

1.3. Overview of the Business Group

		(As of June 30, 2026)
Type	Name of Company	Controlling Company	Remarks
Holding Company	KB Financial Group	—	Listed
1st Tier Subsidiaries	Kookmin Bank	KB Financial Group	Not listed
	KB Securities Co., Ltd.	KB Financial Group	Not listed
	KB Insurance Co., Ltd.	KB Financial Group	Not listed
	KB Kookmin Card Co., Ltd.	KB Financial Group	Not listed
	KB Life Insurance Co., Ltd.	KB Financial Group	Not listed
	KB Asset Management Co., Ltd.	KB Financial Group	Not listed
	KB Capital Co., Ltd.	KB Financial Group	Not listed
	KB Real Estate Trust Co., Ltd.	KB Financial Group	Not listed
	KB Savings Bank Co., Ltd.	KB Financial Group	Not listed
	KB Investment Co., Ltd.	KB Financial Group	Not listed
	KB Data Systems Co., Ltd.	KB Financial Group	Not listed

		(As of June 30, 2026)
Type	Name of Company	Controlling Company	Remarks
2nd Tier Subsidiaries	PT Bank KB Indonesia, Tbk.^(1)^	Kookmin Bank	Listed<br><br>(Overseas)
	Kookmin Bank (China) Limited	Kookmin Bank	Not listed<br><br>(Overseas)
	KB Microfinance Myanmar Co., Ltd.	Kookmin Bank	Not listed<br><br>(Overseas)
	KB Bank Myanmar Co., Ltd.	Kookmin Bank	Not listed<br><br>(Overseas)
	KB PRASAC BANK PLC	Kookmin Bank	Not listed<br><br>(Overseas)
	KB Fund Partners	Kookmin Bank	Not listed
	KBFG Securities America Inc.	KB Securities	Not listed<br><br>(Overseas)
	KB Securities Hong Kong Ltd.	KB Securities	Not listed<br><br>(Overseas)
	KB Securities Vietnam Joint Stock Company	KB Securities	Not listed<br><br>(Overseas)
	KB-TS Technology Venture Private Equity Fund	KB Securities	Not listed
	KB-Stonebridge Secondary Private Equity Fund	KB Securities	Not listed
	KB-SPROTT Renewable Private Equity Fund I	KB Securities	Not listed
	KB-NAU Special Situation Corporate Restructuring Private Equity Fund	KB Securities	Not listed
	U-KB Credit No.1 Private Equity I	KB Securities	Not listed
	KB-SBI Global Strategic Capital Fund	KB Securities	Not listed
	KB FINA Company Limited	KB Securities	Not listed<br><br>(Overseas)
	PT KB Valbury Sekuritas	KB Securities	Not listed<br><br>(Overseas)
	KB-LB Middle Market Enterprises<br>Innovation Private Equity Fund	KB Securities	Not listed
	KB-IMM New Star Real Estate Private Fund I	KB Securities	Not listed
	KB-Novus Genesis Private Equity Fund	KB Securities	Not listed
	KB-IMM New Star Real Estate Private Fund II	KB Securities	Not listed
	KB-NH Corporate Financial Stability Private Equity Fund	KB Securities	Not listed
	KB-Mark-Flow Credit Private Fund	KB Securities	Not listed
	KB-MDM Alternative Private Fund I	KB Securities	Not listed
	IGIS KB Opportunistic Private Equity Fund No.1 Limited Partnership	KB Securities	Not listed
	KB Claims Survey & Adjusting Co., Ltd.	KB Insurance	Not listed
	KB Sonbo Customer & Service	KB Insurance	Not listed
	Leading Insurance Services, Inc	KB Insurance	Not listed<br><br>(Overseas)
	KBFG Insurance (China) Co., Ltd	KB Insurance	Not listed<br><br>(Overseas)
	PT. KB Insurance Indonesia	KB Insurance	Not listed<br><br>(Overseas)
	KB Healthcare Co., Ltd.	KB Insurance	Not listed
	KB Credit Information Co., Ltd.	KB Kookmin Card	Not listed
	KB Daehan Specialized Bank Plc.	KB Kookmin Card	Not listed<br><br>(Overseas)
	PT KB Finansia Multi Finance	KB Kookmin Card	Not listed<br><br>(Overseas)
	KB J Capital Co., Ltd	KB Kookmin Card	Not listed<br><br>(Overseas)
	KB Life Partners Co., Ltd	KB Life Insurance	Not listed

		(As of June 30, 2026)
Type	Name of Company	Controlling Company	Remarks
	KB Golden Life Care Co., Ltd.	KB Life Insurance	Not listed
	KB Asset Management Singapore Pte. Ltd.	KB Asset Management	Not listed<br><br>(Overseas)
	PT KB Valbury Asset Management	KB Asset Management	Not listed<br><br>(Overseas)
	KB Co-investment 1st Private Equity Fund	KB Asset Management	Not listed
	KB Mezzanine Capital 4th Private Equity Fund	KB Asset Management	Not listed
	KB KOLAO LEASING Co., Ltd	KB Capital	Not listed<br><br>(Overseas)
	PT. Sunindo Kookmin Best Finance	KB Capital	Not listed<br><br>(Overseas)
	KBFintech Inc.	KB Capital	Not listed
	FineKB Private Equity Fund No.1	KB Investment	Not listed
	KB Bio Global Expansion Private Equity Fund No.1	KB Investment	Not listed
	KB-Badgers Future Mobility ESG Fund I	KB Investment	Not listed
	FineKB Private Equity Fund No.2	KB Investment	Not listed
	PT KB Data Systems Indonesia	KB Data Systems	Not listed<br><br>(Overseas)
3rd Tier Subsidiaries	PT KB Bukopin Finance	PT Bank KB Bukopin, Tbk.	Not listed<br><br>(Overseas)
	PT Bank KB Bukopin Syariah	PT Bank KB Indonesia, Tbk.	Not listed<br><br>(Overseas)
	Mangrove Master Fund	KB Asset Management Singapore Pte. Ltd.	Not listed<br><br>(Overseas)
	Mangrove Feeder Fund	KB Asset Management Singapore Pte. Ltd.	Not listed<br><br>(Overseas)

1.4. Capital Structure

1.4.1. Common Shares

Changes in Capital

(As of June 30, 2026)									(Unit: Won, shares)
Date		Type	Number of Shares<br>Issued or Cancelled		Par Value		Price		Remarks
September 29, 2008		Common Stock		356,351,693		5,000		48,444	Establishment of<br><br>the Company
September 2, 2009		Common Stock		30,000,000		5,000		37,250	% increase in number of common shares: 8.41865%
October 19, 2016		Common Stock		31,759,844		5,000		35,474	% increase in number of common shares: 8.22045%
December 12, 2019		Common Stock		2,303,617		5,000		—	Share Cancellation^(1)^
February 14, 2022		Common Stock		3,455,426		5,000		—	Share Cancellation^(1)^
August 1, 2022		Common Stock		3,455,426		5,000		—	Share Cancellation^(1)^
April 4, 2023		Common Stock		5,385,996		5,000		—	Share Cancellation^(1)^
August 14, 2024		Common Stock		9,982,649		5,000		—	Share Cancellation^(1)^
May 15, 2025		Common Stock		12,066,320		5,000		—	Share Cancellation^(1)^
January 15, 2026		Common Stock		8,611,648		5,000		—	Share Cancellation^(1)^
May 15, 2026		Common Stock		18,162,721		5,000		—	Share Cancellation^(1)^
Note:	(1) The cancelled shares constituted treasury shares acquired pursuant to a resolution of the board of<br>directors of the Company within the limits of profit available for dividend payment, and as such, there was no change in paid-in capital.
:---	:---

Number of Shares

(As of June 30, 2026)		(Unit: shares)
		Type
		Common Shares			Preferred<br>Shares		Total			Remarks
Shares Authorized for Issuance			1,000,000,000			—		1,000,000,000			As specified in<br>the Articles of<br>Incorporation
Total Shares Issued (A)			418,111,537			—		418,111,537			—
Decrease in Number of Shares (B)			63,423,803			—		63,423,803			—
1. Capital Reduction			—			—		—			—
2. Cancellation			63,423,803			—		63,423,803			Cancellation of<br>Treasury Shares
3. Redemption			—			—		—			—
4. Other			—			—		—			—
Shares Issued as of June 30, 2026 (C=A-B)			354,687,734			—		354,687,734			—
Treasury Shares (D)			1,300,000			—		1,300,000			—
Shares Outstanding (C—D)			353,387,734			—		353,387,734			—
Treasury Share Holding Ratio			0.4	%		—		0.4	%		—
Notes:	(1) The 63,423,803 cancelled shares above are within the limits of profit available for dividend payment,<br>and as such, there will be no change in paid-in capital although the total number of issued shares will decrease.
:---	:---

1.4.2. Voting Rights

(As of June 30, 2026)					(Unit: shares)
Items			Number of Shares		Notes
Total number of issued shares		Common shares		354,687,734		—
		Preferred shares		—		—
Shares without voting rights		Common shares		1,300,000		Treasury Shares
		Preferred shares		—		—
Shares for which voting rights cannot be exercised pursuant to the Articles of<br>Incorporation		—		—		—
Shares for which voting rights are restricted under relevant laws and regulations		—		—		—
Shares with restored voting rights		—		—		—
Total shares for which voting rights may be exercised		Common shares		353,387,734		—
		Preferred shares		—		—
Notes:	(1) On July 23, 2026, the board of directors of the Company resolved to acquire and cancel certain of<br>the Company’s treasury shares, and the acquisition of treasury shares has been in progress since July 24, 2026. The acquired shares are scheduled to be canceled upon completion of the acquisition. Such shares are not included in the<br>number of shares without voting rights as of June 30, 2026 above.
:---	:---

(2) On April 23, 2026, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares. Pursuant to such resolution, the Company commenced the acquisition of treasury shares on April 24, 2026, and completed such acquisition on July 16, 2026, acquiring a total of 3,581,623 treasury shares. Such shares are expected to be canceled on December 23, 2026. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on July 16, 2026.

(3) On February 5, 2026, the board of directors of the Company resolved to acquire and cancel certain of the Company’s treasury shares. Pursuant to such resolution, the Company commenced the acquisition of treasury shares on February 6, 2026, and completed such acquisition on April 7, 2026 acquiring a total of 3,899,988 treasury shares. The Company canceled the acquired treasury shares on May 15, 2026. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on April 9, 2026.

(4) On April 23, 2026, the board of directors of the Company resolved to cancel certain of the Company’s existing treasury shares, and accordingly, 14,262,733 of such existing treasury shares were canceled on May 15, 2026. For more information, please refer to the Company’s report on Form 6-K furnished to the Securities and Exchange Commission on April 23, 2026.

1.5. Dividends

On October 24, 2024, KB Financial Group disclosed a detailed plan to enhance corporate value titled “KB Financial Group’s Sustainable Value-up Plan,” which includes information on shareholder returns and dividends. The key details of the plan are as outlined below (the full version of the plan can be accessed on KB Financial Group’s website at www.kbfg.com). On March 27, 2026, the Company announced that it met the requirements for a “High-Dividend Company” pursuant to Article 104-27 of the Special Tax Treatment Control Act of Korea.

(1) Financial Metrics and Calculation Methods to Determine Dividend Targets

First Phase: An amount corresponding to the capital exceeding 13% of its CET1 ratio as of the end of the year will be utilized as the resource for shareholder returns in the following year.

Second Phase: An amount corresponding to the capital exceeding 13.5% of its CET1 ratio in the second half of the year, accumulated through earnings generated throughout the year, will be utilized as additional resources for shareholder returns.

(2) Direction of Future Dividend Levels

Equal quarterly dividends will be distributed based on the total dividend amount calculated during the first phase of dividends. Additional shareholder returns may be distributed using the shareholder return resources calculated during the second phase. The Company’s shareholder return policy and plans are available via public disclosures and the Company’s official website.

(3) Dividend Restriction Policy

The amount of dividends may be reduced or limited if the capital ratios are expected to fall below regulatory requirements.

These goals and expectations are subject to adjustments based on economic uncertainties, regulatory considerations, capital ratio projections, and the Company’s strategic objectives, including potential inorganic growth opportunities.

KB Financial Group’s progress report on its Sustainable Value-up Plan is available on its website (www.kbfg.com).

1.5.1.	Dividend Confirmation and Record Date Schedule
Items		Fiscal<br><br>Year-End		Dividend<br><br>Payment<br><br>Status		Dividend Amount<br>Confirmation Date		Record Date
---	---	:---:	---	:---:	---	:---:	---	:---:
Quarterly Dividend		March 2024		Yes		April 25, 2024		March 31, 2024
Quarterly Dividend		June 2024		Yes		July 23, 2024		June 30, 2024
Quarterly Dividend		September 2024		Yes		October 24, 2024		September 30, 2024
Annual Dividend		December 2024		Yes		March 26, 2025		February 28, 2025
Quarterly Dividend		March 2025		Yes		May 12, 2025		May 12, 2025
Quarterly Dividend		June 2025		Yes		August 11, 2025		August 11, 2025
Quarterly Dividend		September 2025		Yes		November 14, 2025		November 14, 2025
Annual Dividend		December 2025		Yes		March 26, 2026		February 27, 2026
Quarterly Dividend		March 2026		Yes		May 8, 2026		May 8, 2026
Quarterly Dividend		June 2026		Yes		August 7, 2026		August 7, 2026

Notes:	(1) The dividend amount confirmation dates refer to the date at which both the resolution of the relevant<br>body (the Annual General Meeting of Shareholders or the Board of Directors) and the dividend record date have occurred.

(2) With respect to annual dividends, the record date was decided through a resolution of the Board of Directors and announced two weeks in advance. With respect to quarterly dividends: (i) following an amendment to the Articles of Incorporation on March 26, 2025, the record date was decided through a resolution of the Board of Directors within 45 days of the end of the quarter and announced two weeks in advance; and (ii) prior to the amendment of the Articles of Incorporation, the record date was designated to be the end of March, June and September.

1.5.2.	Key Dividend Indicators
				(Unit: in millions of Won, except per share amounts and percentages)
---	---	---	---	---:	---	---	---	---	---	---	---
Items				January 1, 2026 to<br>June 30, 2026^(1)^			January 1, 2025 to<br>December 31, 2025^(2)^			January 1, 2024 to<br>December 31, 2024^(3)^
Par value per share (Won)					5,000			5,000			5,000
(Consolidated) Net income					3,884,590			5,833,162			5,078,221
(Consolidated) Earnings per share (Won)					10,670			15,410			12,880
Total cash dividends					810,246			1,577,774			1,198,257
Total stock dividends					—			—			—
(Consolidated) Cash dividend payout ratio (%)					20.9			27.0			23.6
Cash dividend yield (%)		Common shares			1.3			3.2			3.5
		—			—			—			—
Stock dividend yield (%)		Common shares			—			—			—
		—			—			—			—
Cash dividend per share (Won)		Common shares			2,298			4,367			3,174
		—			—			—			—
Stock dividend per share		Common shares			—			—			—
		—			—			—			—
Notes:	(1) Includes a quarterly dividend amount of Won 405,088 million (Won 1,143 per common share) in the<br>first quarter of fiscal year 2026, and a quarterly dividend amount of Won 405,158 million (Won 1,155 per common share) in the second quarter of fiscal year 2026.
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(2) Includes a quarterly dividend amount of Won 334,339 million (Won 912 per common share) in the first quarter of fiscal year 2025, a quarterly dividend amount of Won 334,652 million (Won 920 per common share) in the second quarter of fiscal year 2025, a quarterly dividend amount of Won 335,016 million (Won 930 per common share) in the third quarter of fiscal year 2025, and an annual dividend amount of Won 573,768 million (Won 1,605 per common share) for fiscal year 2025.

(3) Includes a quarterly dividend amount of Won 300,087 million (Won 784 per common share) in the first quarter of fiscal year 2024, a quarterly dividend amount of Won 299,999 million (Won 791 per common share) in the second quarter of fiscal year 2024, a quarterly dividend amount of Won 299,886 million (Won 795 per common share) in the third quarter of fiscal year 2024, and an annual dividend amount of Won 298,285 million (Won 804 per common share) for fiscal year 2024.

1.6. Amendments to the Articles of Incorporation

The Company’s Articles of Incorporation were most recently amended on March 26, 2026.

Date	Shareholder meeting through which the<br>amendments were approved and ratified	Major changes	Reason for change
March 24, 2023	Annual General Meeting of Shareholders for Fiscal Year 2022	Establishment of: (i) the basis for determining the record date for the payment of dividends through a resolution of the Board of Directors, and (ii) an equal dividend payment policy with respect to shares in the same<br>class, through the amendment of articles 10, 11, 15, 16, 17, 18, 19, 20, 49, 59, and 60	Establishment of the basis for determining the record date for the payment of dividends through a resolution of the Board of Directors
March 26, 2025	Annual General Meeting of Shareholders for Fiscal Year 2024	(i) Additional items designated as matters to be determined through a resolution of the Board of Directors, (ii) the establishment of an internal control committee within the Board of Directors, and (iii) allowing the<br>determination of record dates for quarterly dividends through a resolution of the Board of Directors, through the amendment of articles 14, 20-2, 44, 48, 51, 52, 56, 59 and 60.	Establishment of an internal control committee in accordance with amendments to the Act on Corporate Governance of Financial Companies, and the establishment of a basis for determining the record date for quarterly dividends through<br>a resolution of the Board of Directors in accordance with amendments to the Financial Investment Services and Capital Markets Act.
March 26, 2026	Annual General Meeting of Shareholders for Fiscal Year 2025	(i) Implementation of electronic general meetings of shareholders and (ii) an expansion of the scope of directors’ duty of loyalty, through the amendment of articles 26, 31 and 42.	Establishment of a legal basis for holding electronic general meetings of shareholders and expanding the scope of directors’ duty of loyalty pursuant to the amendment of the Commercial Code.

2. Business

2.1. Results of Operations

								((Unit: in millions of Won)
		For the six months ended<br>June 30, 2026			For the six months ended<br>June 30, 2025			For the year ended<br>December 31, 2025			For the year ended<br>December 31, 2024
Net interest income			6,478,260			6,368,691			13,073,093			12,826,714
Interest income			14,511,829			14,739,574			29,156,100			30,491,385
Interest expense			(8,033,569	)		(8,370,883	)		(16,083,007	)		(17,664,671	)
Net fee and commission income			2,961,245			1,965,984			4,098,287			3,849,627
Fee and commission income			3,904,194			2,777,199			5,773,521			5,481,843
Fee and commission expense			(942,949	)		(811,215	)		(1,675,234	)		(1,632,216	)
Net insurance income			755,716			849,889			1,303,373			1,649,761
Insurance income			6,399,754			6,144,414			12,376,546			11,456,191
Insurance expense			(5,644,038	)		(5,294,525	)		(11,073,173	)		(9,806,430	)
Net gains on financial assets/liabilities at fair value through profit or loss			2,585,745			2,112,363			3,380,205			1,012,081
Other insurance finance expenses			(1,996,585	)		(413,291	)		(1,026,721	)		(437,001	)
Net other operating expenses			(676,852	)		(1,791,668	)		(2,883,075	)		(1,873,011	)
General and administrative expenses			(3,654,401	)		(3,355,261	)		(7,064,573	)		(6,938,624	)
Operating profit before provision for credit losses			6,453,128			5,736,707			10,880,589			10,089,547
Provision for credit losses			(1,013,014	)		(1,310,708	)		(2,362,878	)		(2,044,286	)
Net operating profit			5,440,114			4,425,999			8,517,711			8,045,261
Notes:	(1) Based on K-IFRS (on a consolidated basis).
:---	:---

2.2.	Sources and Uses of Funds
2.2.1.	Sources of Funds
:---	:---
																						(Unit: in millions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	:---:	---	---	---	---	---	---	---
				For the six months ended<br>June 30, 2026									For the year ended<br>December 31, 2025									For the year ended<br>December 31, 2024
				Average<br>Balance			Interest Rate<br>(%)			Ratio<br>(%)			Average<br>Balance			Interest Rate<br>(%)			Ratio<br>(%)			Average<br>Balance			Interest Rate<br>(%)			Ratio<br>(%)
Won Currency		Deposits			389,098,492			1.90			47.70			375,826,777			2.07			48.43			359,346,604			2.45			48.87
		Certificate of deposit			15,062,496			2.92			1.85			10,813,731			2.99			1.39			11,148,293			3.84			1.52
		Borrowings			38,249,140			2.59			4.69			35,428,675			2.67			4.57			32,774,664			3.47			4.46
		Call money			1,104,918			2.58			0.14			1,885,958			2.65			0.24			1,747,858			3.43			0.24
		Debentures			64,509,876			3.36			7.91			61,625,699			3.50			7.94			58,497,966			3.67			7.96
		Others			32,260,573			3.35			3.95			28,701,227			3.23			3.70			24,034,767			4.09			3.26

Subtotal					540,285,495			2.24			66.24			514,282,067			2.37			66.27			487,550,152			2.78			66.31

Foreign Currency		Deposits			44,568,635			2.79			5.46			40,646,841			3.34			5.24			37,798,747			4.12			5.14
		Borrowings			17,968,004			3.35			2.20			17,858,282			3.77			2.30			18,638,964			4.60			2.54
		Call money			2,170,843			4.78			0.27			2,007,760			4.61			0.26			1,796,999			5.16			0.24
		Debentures			16,709,181			3.17			2.05			15,507,931			3.11			2.00			14,573,073			3.29			1.98
		Others			1,995,257			3.26			0.25			1,558,313			3.83			0.20			1,166,042			4.38			0.16

Subtotal					83,411,920			3.05			10.23			77,579,127			3.44			10.00			73,973,825			4.11			10.06

Others		Total shareholders’ equity			60,182,198			—			7.38			61,917,273			—			7.98			59,062,845			—			8.03
		Allowances			1,305,305			—			0.16			966,209			—			0.12			1,530,852			—			0.21
		Others			130,459,237			—			15.99			121,265,897			—			15.63			113,145,013			—			15.39

Subtotal					191,946,740			—			23.53			184,149,379			—			23.73			173,738,710			—			23.63

Total					815,644,155			—			100.00			776,010,573			—			100.00			735,262,687			—			100.00

Notes:	(1) Based on K-IFRS (on a consolidated basis).
:---	:---

2.2.2.	Uses of Funds
																						(Unit: in millions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	:---:	---	---	---	---	---	---	---	---
				For the six months ended<br>June 30, 2026									For the year ended<br>December 31, 2025									For the year ended<br>December 31, 2024
				Average<br>Balance			Interest Rate<br>(%)			Ratio<br>(%)			Average<br>Balance			Interest Rate<br>(%)			Ratio<br>(%)			Average<br>Balance			Interest Rate<br>(%)			Ratio<br>(%)
Won Currency		Due from banks			18,117,823			0.62			2.22			16,153,833			0.63			2.08			15,397,433			0.83			2.09
		Securities			199,432,574			1.58			24.45			191,925,827			2.54			24.73			180,330,525			3.22			24.53
		Loans			420,943,152			4.06			51.61			410,776,360			4.19			52.93			390,097,807			4.67			53.06
		Guarantee payments under payment guarantee			8,017			0.75			—			8,879			1.44			—			5,835			0.99			—
		Call loan			746,128			2.52			0.09			193,442			2.70			0.02			264,716			3.56			0.04
		Private placement corporate bonds			2,055,601			4.93			0.25			1,595,705			4.56			0.21			1,127,090			5.79			0.15
		Credit cards			23,291,225			7.56			2.86			23,257,459			7.79			3.00			23,320,536			8.12			3.17
		Others			5,272,743			14.28			0.64			4,663,752			15.62			0.61			3,829,387			17.76			0.53
		Allowance			(4,180,801	)		—			(0.51	)		(4,232,385	)		—			(0.55	)		(4,193,334	)		—			(0.57	)

Subtotal					665,686,462			3.45			81.61			644,342,872			3.85			83.03			610,179,995			4.39			83.00

Foreign Currency		Due from banks			12,396,226			2.20			1.52			10,736,415			2.44			1.38			9,494,397			2.92			1.29
		Securities			29,194,342			5.16			3.58			25,475,873			5.55			3.28			23,085,246			5.60			3.14
		Loans			38,816,418			6.58			4.76			37,399,936			6.97			4.82			37,007,504			7.60			5.03
		Call loan			5,478,680			3.94			0.67			6,541,166			4.31			0.84			6,018,342			5.33			0.82
		Bills bought			3,390,990			4.19			0.42			1,837,372			4.73			0.24			1,979,563			5.52			0.27
		Allowance			(1,596,046	)		—			(0.20	)		(1,675,021	)		—			(0.22	)		(1,515,396	)		—			(0.21	)
		Others			2,611,031			—			0.32			2,571,127			—			0.34			2,346,259			—			0.32

Subtotal					90,291,641			5.27			11.07			82,886,868			5.71			10.68			78,415,915			6.23			10.66

Others		Cash			1,612,495			—			0.20			1,466,760			—			0.19			1,576,791			—			0.21
		Fixed assets held for business			8,861,188			—			1.09			9,107,641			—			1.17			9,391,370			—			1.28
		Others			49,192,369			—			6.03			38,206,432			—			4.93			35,698,616			—			4.85

Subtotal					59,666,052			—			7.32			48,780,833			—			6.29			46,666,777			—			6.34

Total					815,644,155			—			100.00			776,010,573			—			100.00			735,262,687			—			100.00

Notes:	(1) Based on K-IFRS (on a consolidated basis).
:---	:---

2.3.	Other Information to Consider in Making an Investment Decision
2.3.1.	Capital Adequacy
:---	:---
KB Financial Group					(Unit: in billions of Won, except percentages)
---	---	---	---	---	---:	---	---	---	---	---
		As of June 30, 2026			As of December 31, 2025			As of December 31, 2024
Total capital (A)			58,816			57,825			56,849
Risk-weighted assets (B)			369,750			356,996			345,981
BIS ratio (A/B)			15.91	%		16.20	%		16.43	%
Notes:	(1) Calculated in accordance with Basel III.
:---	:---
(2) The figures as of June 30, 2026 are preliminary.
:---
Kookmin Bank					(Unit: in billions of Won, except percentages)
---	---	---	---	---	---:	---	---	---	---
		As of June 30, 2026			As of December 31, 2025			As of December 31, 2024
Total capital (A)			41,689			41,605			40,574
Risk-weighted assets (B)			249,419			240,740			234,436
BIS ratio (A/B)			16.71			17.28			17.31
Notes:	(1) Calculated in accordance with Basel III.
:---	:---
(2) The figures as of June 30, 2026 are preliminary.
:---
KB Securities Co., Ltd.					(Unit: in billions of Won, except percentages)
---	---	---	---	---	---:	---	---	---	---	---
		As of June 30, 2026			As of December 31, 2025			As of December 31, 2024
Net operating capital (A)			6,280			5,140			5,397
Total amount at risk (B)			3,277			3,184			3,176
Maintenance equity margin (C)			136			136			134
Net capital ratio (A-B)/(C)			2,214.16	%		1,442.13	%		1,654.45	%
Capital surplus (A-B)			3,003			1,956			2,221
KB Insurance Co., Ltd.					(Unit: in billions of Won, except percentages)
		As of June 30, 2026			As of December 31, 2025			As of December 31, 2024
Available capital (A)			13,532			12,191			11,319
Required capital (B)			7,275			6,365			6,072
Capital Adequacy ratio (A/B)^(2)^			186.00	%		191.54	%		186.42	%
Notes:	(1) The figures as of June 30, 2026 are preliminary.
:---	:---
(2) Since 2023, the capital adequacy system has been calculated based on the Korean Insurance Capital Standard (“K-ICS”) system.
:---
2.3.2.	Overseas Credit Ratings
:---	:---
						(As of June 30, 2026)
---	---	---	---	---	---	:---:	---	---
Rating Company		Moody’s				S&P
Type		Long-term		Short-term		Long-term		Short-term
Credit Rating		A1		P-1		A		A-1

2.3.3.	Domestic Credit Ratings
Date of Rating		Type		Credit Rating		Rating Company<br><br>(Rating Range)
---	---	:---:	---	:---:	---	:---:
1/19/2023		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) /<br><br>NICE Investors Service (AAA ~ D)
6/23/2023		Commercial Paper		A1		Korea Ratings (A1 ~ D) / KIS Ratings (A1 ~ D) /<br><br>NICE Investors Service (A1 ~ D)
2/28/2024		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) /<br><br>NICE Investors Service (AAA ~ D)
10/18/2024		Debentures		AAA		NICE Investors Service (AAA ~ D)
10/18/2024		Commercial Paper		A1		NICE Investors Service (A1 ~ D)
10/21/2024		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D)
10/21/2024		Commercial Paper		A1		KIS Ratings (A1 ~ D)
11/6/2024		Commercial Paper		A1		Korea Ratings (A1 ~ D)
1/9/2025		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) /<br><br>NICE Investors Service (AAA ~ D)
1/22/2025		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) /<br><br>NICE Investors Service (AAA ~ D)
2/21/2025		Debentures		AAA		Korea Ratings (AAA ~ D) / NICE Ratings (AAA ~ D)
2/24/2025		Debentures		AAA		KIS Ratings (AAA ~ D)
3/20/2025		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) /<br><br>NICE Investors Service (AAA ~ D)
4/23/2025		Debentures		AAA		KIS Ratings (AAA ~ D) /<br><br>NICE Investors Ratings (AAA ~ D)
4/24/2025		Debentures		AAA		Korea Ratings (AAA ~ D)
5/20/2025		Debentures		AAA		KIS Ratings (AAA ~ D)
5/22/2025		Debentures		AAA		Korea Ratings (AAA ~ D) / NICE Ratings (AAA ~ D)
6/24/2025		Commercial Paper		A1		NICE Investors Ratings (A1 ~ D)
6/26/2025		Commercial Paper		A1		KIS Ratings (A1 ~ D)
6/27/2025		Commercial Paper		A1		Korea Ratings (A1 ~ D)
12/12/2025		Commercial Paper		A1		NICE Investors Ratings (A1 ~ D)
12/12/2025		Commercial Paper		A1		KIS Ratings (A1 ~ D)
12/18/2025		Commercial Paper		A1		Korea Ratings (A1 ~ D)
1/14/2026		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) /<br><br>NICE Investors Service (AAA ~ D)
3/24/2026		Debentures		AAA		KIS Ratings (AAA ~ D) /<br>NICE Investors Ratings (AAA ~ D)
3/25/2026		Debentures		AAA		Korea Ratings (AAA ~ D)
4/20/2026		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) /<br><br>NICE Investors Service (AAA ~ D)
4/20/2026		Contingent Convertible Bonds		AA-		NICE Investors Service (AAA ~ D)
4/23/2026		Contingent Convertible Bonds		AA-		Korea Ratings (AAA ~ D)
4/24/2026		Contingent Convertible Bonds		AA-		KIS Ratings (AAA ~ D)
5/21/2026		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) /<br><br>NICE Investors Service (AAA ~ D)
6/18/2026		Debentures		AAA		Korea Ratings (AAA ~ D) / KIS Ratings (AAA ~ D) /<br><br>NICE Investors Service (AAA ~ D)
6/29/2026		Commercial Paper		A1		Korea Ratings (A1 ~ D) / KIS Ratings (A1 ~ D) /<br><br>NICE Investors Service (A1 ~ D)

2.3.4.	Early Retirement Program

To enhance productivity by improving its labor structure, Kookmin Bank implemented a voluntary early retirement program following negotiations with its labor union.

Subsidiary		Date of Retirement	Number of Retired Persons
Kookmin Bank		January 21, 2022	674
		January 18, 2023	713
		January 19, 2024	674
		January 18, 2025	647
		January 20, 2026	550
2.3.5.	Other Factors Affecting the Group’s Financial Condition and Results of Operations
:---	:---

The economic outlook for Korea and its financial services sector in the remainder of 2026 and for the foreseeable future remains highly uncertain as a result of, among others, (i) volatile conditions in the Korean and global economies and financial markets resulting from interest and exchange rate fluctuations, a slowdown in the rate of economic growth, lower consumer confidence, subdued domestic consumption, stock market and real estate market volatility, high energy prices, uncertainties surrounding the prospects of the AI industry, high loan delinquency rates in Korea and changes in fiscal and monetary policies, among others, and (ii) adverse conditions in the Korean and global economies and financial markets resulting from geopolitical uncertainties, including as a result of the imposition of significant tariffs by the United States on its trading partners and other escalations in trade protectionism globally, changes in the global policies of the United States, the ongoing military conflicts in the Middle East (between Iran and other countries, including the United States and Israel) and between Russia and Ukraine, among others.

3.	Financial Information
3.1.	Consolidated Financial Information
:---	:---
3.1.1.	Consolidated Statements of Financial Position
:---	:---
					(Unit: in millions of Won)
---	---	---	---	---	:---:	---	---
		As of June 30, 2026			As of December 31, 2025
Cash and due from financial institutions			44,618,344			34,776,877
Financial assets at fair value through profit or loss			100,468,179			89,862,530
Derivative financial assets			12,967,488			8,178,056
Loans measured at amortized cost			505,398,999			491,978,044
Financial investments			137,198,864			134,986,677
Investments in associates and joint ventures			1,040,992			1,137,184
Insurance assets			378,988			271,152
Reinsurance assets			1,369,626			1,515,854
Property and equipment			5,078,131			5,133,801
Investment property			3,421,805			3,224,180
Intangible assets			1,595,329			1,609,427
Net defined benefit assets			490,428			353,366
Current income tax assets			447,277			388,589
Deferred income tax assets			183,862			193,034
Assets held for sale			166,753			174,919
Assets of a disposal group held for sale			115,039			94,215
Other assets			51,949,101			24,045,128
Total assets			866,889,205			797,923,033
Financial liabilities at fair value through profit or loss			11,526,649			11,320,590
Derivative financial liabilities			13,391,153			8,234,289
Deposits			486,343,528			462,397,026
Borrowings			77,907,732			70,728,396
Debentures			80,462,793			80,049,270
Insurance contract liabilities			53,359,408			56,790,030
Reinsurance contract liabilities			37,229			59,648
Provisions			1,375,214			1,264,390
Net defined benefit liabilities			89,930			100,088
Current income tax liabilities			416,935			610,484
Deferred income tax liabilities			2,242,689			1,819,080
Liabilities of a disposal group held for sale			74,675			68,290
Other liabilities			76,959,448			43,651,463

Total liabilities			804,187,383			737,093,044

Equity attributable to shareholders of the parent company			60,890,838			59,048,211
Share capital			2,090,558			2,090,558
Hybrid securities			4,206,721			4,359,388
Capital surplus			9,127,521			16,633,518
Accumulated other comprehensive income (loss)			(487,227	)		(467,456	)
Retained earnings			46,129,279			38,333,741
Treasury shares			(176,014	)		(1,901,538	)
Non-controlling interests			1,810,984			1,781,778
Total equity			62,701,822			60,829,989
Total liabilities and equity			866,889,205			797,923,033

Number of companies included as consolidated entities			390			376

3.1.2.	Consolidated Statements of Comprehensive Income
		(Unit: in millions of Won, except per share amounts)
---	---	---:	---	---	---	---	---	---	---	---	---	---	---
		First Half of 2026						First Half of 2025
		Second Quarter			Cumulative			Second Quarter			Cumulative
Net interest income			3,143,438			6,478,260			3,106,526			6,368,691
Interest income			7,352,100			14,511,829			7,284,633			14,739,574
Interest income from financial instruments at fair value through other comprehensive income and<br>amortized cost			6,966,183			13,749,624			6,922,324			14,005,120
Interest income from financial instruments at fair value through profit or loss			375,712			740,531			353,152			715,207
Insurance finance interest income			10,205			21,674			9,157			19,247
Interest expense			(4,208,662	)		(8,033,569	)		(4,178,107	)		(8,370,883	)
Interest expense			(3,799,921	)		(7,221,765	)		(3,804,895	)		(7,615,529	)
Insurance finance interest expense			(408,741	)		(811,804	)		(373,212	)		(755,354	)
Net fee and commission income			1,601,916			2,961,245			1,031,936			1,965,984
Fee and commission income			2,093,819			3,904,194			1,446,966			2,777,199
Fee and commission expense			(491,903	)		(942,949	)		(415,030	)		(811,215	)
Net insurance income			412,075			755,716			412,136			849,889
Insurance income			3,267,497			6,399,754			3,036,603			6,144,414
Insurance income			3,156,987			6,166,664			2,900,194			5,735,262
Reinsurance income			110,510			233,090			136,409			409,152
Insurance expense			(2,855,422	)		(5,644,038	)		(2,624,467	)		(5,294,525	)
Insurance service expense			(2,633,697	)		(5,216,673	)		(2,396,702	)		(4,860,901	)
Reinsurance expense			(221,725	)		(427,365	)		(227,765	)		(433,624	)
Net gains on financial assets/liabilities at fair value through profit or loss			2,218,901			2,585,745			1,566,145			2,112,363
Other insurance finance expenses from contract held			(1,642,279	)		(1,996,585	)		(273,721	)		(413,291	)
Net other operating expenses			(612,271	)		(676,852	)		(1,305,244	)		(1,791,668	)
General and administrative expenses			(1,889,487	)		(3,654,401	)		(1,749,696	)		(3,355,261	)
Operating income before provision for credit losses			3,232,293			6,453,128			2,788,082			5,736,707
Provision for credit losses			(519,745	)		(1,013,014	)		(655,111	)		(1,310,708	)
Net operating income			2,712,548			5,440,114			2,132,971			4,425,999
Net non-operating income (expenses)			20,210			(76,216	)		210,170			223,748
Share of profit of associates and joint ventures			15,693			35,917			4,813			10,261
Net other non-operating income (expenses)			4,517			(112,133	)		205,357			213,487
Profit before income tax expense			2,732,758			5,363,898			2,343,141			4,649,747
Income tax expense			(722,250	)		(1,436,921	)		(595,561	)		(1,203,045	)
Profit for the period			2,010,508			3,926,977			1,747,580			3,446,702
Other comprehensive income (loss) for the period, net of tax			(11,883	)		(30,950	)		123,435			(784,305	)
Items that will not be reclassified to profit or loss:
Remeasurements of net defined benefit liabilities			72,561			63,028			6,637			(790	)
Share of other comprehensive income (loss) of associates and joint ventures			(2	)		25			0			0
Gains (losses) on equity securities at fair value through other comprehensive income			(112,481	)		(79,084	)		168,860			213,283
Fair value changes of financial liabilities designated at fair value through profit (loss) due to<br>own credit risk			2,972			1,693			(4,862	)		(10,707	)
Items that may be reclassified subsequently to profit or loss:
Currency translation differences			65,165			343,344			(337,087	)		(351,553	)
Gains (losses) on debt securities at fair value through other comprehensive income			(1,660,346	)		(3,994,187	)		(568,282	)		342,749
Share of other comprehensive income (loss) of associates and joint ventures			(686	)		578			(2,452	)		(2,328	)
Gains (losses) on cash flow hedging instruments			(254,119	)		(498,474	)		(61,776	)		(30,275	)
Gains (losses) on hedging instruments of net investments in foreign operations			(30,644	)		(113,078	)		123,470			126,994
Insurance finance income (expenses)			1,905,697			4,245,205			798,927			(1,071,678	)
Total comprehensive income for the period			1,998,625			3,896,027			1,871,015			2,662,397
Profit attributable to:
Shareholders of the parent company			1,992,189			3,884,590			1,738,422			3,435,693
Non-controlling interests			18,319			42,387			9,158			11,009
Total comprehensive income (loss) for the period attributable to:
Shareholders of the parent company			2,003,123			3,867,563			1,859,757			2,657,343
Non-controlling interests			(4,498	)		28,464			11,258			5,054
Earnings per share
Basic earnings per share (Won)			5,549			10,670			4,603			9,031
Diluted earnings per share (Won)			5,509			10,585			4,565			8,950

3.2.	Separate Financial Information
3.2.1.	Separate Statements of Financial Position
:---	:---
						(Unit: in millions of Won)
---	---	---	---	---	---	:---:	---	---
		As of June 30, 2026				As of December 31, 2025
Cash and due from financial institutions			482,142				974,585
Financial assets at fair value through profit or loss			984,897				1,251,607
Loans measured at amortized cost			349,112				349,112
Investments in subsidiaries			27,867,817				26,867,817
Property and equipment			4,240				2,896
Intangible assets			12,559				13,207
Net defined benefit assets			2,703				3,058
Deferred income tax assets			14,283				9,354
Other assets			887,119				1,381,504

Total assets			30,604,872				30,853,140

Debentures			5,509,479				4,520,297
Current income tax liabilities			372,894				544,056
Other liabilities			544,593				853,551

Total liabilities			6,426,966				5,917,904

Share capital			2,090,558				2,090,558
Hybrid securities			4,206,589				4,359,256
Capital surplus			7,247,126				14,751,591
Accumulated other comprehensive loss			(8,196	)			(8,601	)
Retained earnings			10,817,843				5,643,970
Treasury Shares			(176,014	)			(1,901,538	)

Total equity			24,177,906				24,935,236

Total liabilities and equity			30,604,872				30,853,140

3.2.2.	Separate Statements of Comprehensive Income
		(Unit: in millions of Won, except per share amounts)
---	---	---:	---	---	---	---	---	---	---	---	---	---	---	---	---	---
		First Half of 2026								First Half of 2025
		Second Quarter				Cumulative				Second Quarter				Cumulative
Net interest expense			(30,769	)			(57,043	)			(19,665	)			(42,829	)
Interest income			5,398				12,530				10,549				16,076
Interest income from financial instruments at amortized cost			4,380				10,516				9,533				14,218
Interest income from financial instruments at fair value through profit or loss			1,018				2,014				1,016				1,858
Interest expense			(36,167	)			(69,573	)			(30,214	)			(58,905	)
Net fee and commission expense			(3,657	)			(4,807	)			(1,553	)			(3,343	)
Fee and commission income			513				984				518				990
Fee and commission expense			(4,170	)			(5,791	)			(2,071	)			(4,333	)
Net gains on financial assets at fair value through profit or loss			9,748				17,222				22,461				47,912
Net other operating income			100,000				1,365,231				—				2,355,586
General and administrative expenses			(28,252	)			(57,483	)			(28,165	)			(50,333	)
Operating profit before provision for credit losses			47,070				1,263,120				(26,922	)			2,306,993
Provision for credit losses			(7	)			(6	)			(7	)			(6	)
Operating profit (loss)			47,063				1,263,114				(26,929	)			2,306,987
Net non-operating income (expense)			106				596				(174	)			(107	)
Profit (loss) before income tax			47,169				1,263,710				(27,103	)			2,306,880
Income tax income (expense)			5,023				5,650				809				(6,581	)
Profit (loss) for the period			52,192				1,269,360				(26,294	)			2,300,299
Other comprehensive income for the year, net of tax			467				405				36				25
Items that will not be reclassified to profit or loss:
Remeasurements of net defined benefit liabilities			467				405				36				25
Total comprehensive income (loss) for the year			52,659				1,269,765				(26,258	)			2,300,324
Earnings per share
Basic earnings per share (Won)			29				3,322				(219	)			5,954
Diluted earnings per share (Won)			29				3,296				(217	)			5,900

3.3.	Other Selected Financial Data
3.3.1.	Won-denominated Liquidity Ratio
:---	:---
		(Unit: in millions of Won, except percentages)
---	---	---:	---	---	---	---	---	---	---	---
		As of June 30, 2026			As of December 31, 2025			As of December 31, 2024
Current assets in Won (A)			1,291,855			1,535,482			592,591
Current liabilities in Won (B)			456,486			500,481			383,862
Liquidity ratio (A/B)			283.00	%		306.80	%		154.38	%
Notes:	(1) Based on K-IFRS (on a separate basis).
:---	:---
(2)	Calculated based on Won-denominated assets and liabilities due within<br>one month.
:---	:---
3.3.2.	Profitability Ratios
:---	:---
								(Unit: %)
---	---	---	---	---	---	---	---	---:	---
		For the six months ended<br>June 30, 2026			For the year ended<br>December 31, 2025			For the year ended<br>December 31, 2024
Net income as a percentage of average total assets (ROA)			0.95			0.75			0.68
Net income as a percentage of average shareholders’ equity (ROE)			13.11			9.93			8.87
3.3.3.	20 Largest Exposures of Kookmin Bank by Borrower (As of June 30, 2026)
:---	:---
		(Unit: in billions of Won)
---	---	---:	---
Company		Credit Extended
Samsung Electronics Co., Ltd.			1,948
NH-Amundi Asset Management Co., Ltd.			1,490
KB Kookmin Card Co., Ltd			1,385
Samsung SDI Co., Ltd..			1,131
HD Hyundai Heavy Industries Co., Ltd.			1,100
Hanwha Aerospace Co., Ltd.			1,074
Hanwha Solutions Corporation			998
Shinhan Card Co., Ltd.			978
Samsung Heavy Industries Co., Ltd.			971
Harim Industrial Co., Ltd.			941
LG Energy Solution, Ltd.			908
Strada Holdco L.P.			903
Samsung Card Co., Ltd.			875
POSCO INTERNATIONAL Corporation			832
E-MART Inc.			812
Lotte Shopping Co., Ltd.			803
Hanwha Corporation			773
LS MnM Inc.			765
SK Innovation Co., Ltd.			749
Samsung Asset Management Co., Ltd.			739

Total			20,173

3.3.4.	10 Largest Exposures of Kookmin Bank by Chaebol Group (As of June 30, 2026)
		(Unit: in billions of Won)
---	---	---:	---
Group		Credit Extended
Samsung			7,011
Hyundai Motor			3,821
SK			5,665
Lotte			3,517
LG			2,083
Hanhwa			5,169
Hanjin			591
POSCO			1,674
GS			1,343
Shinsegae			1,484

Total			32,359

3.3.5.	Kookmin Bank’s Loan Concentration by Industry (As of June 30, 2026)
:---	:---
		(Unit: in billions of Won, except percentages)
---	---	---:	---	---	---	---
Industry		Total Credit			Percentage of<br>Total Credit
Manufacturing			68,511			28.0
Construction			4,404			1.8
Real estate activities			63,136			25.9
Wholesale and retail trade			34,028			13.9
Accommodation and food service activities			12,249			5.0
Financial activities			11,043			4.5
Others			50,942			20.9

Total			244,315			100

3.3.6. Top 20 Non-Performing Loans of Kookmin Bank (As of June 30, 2026)

			(Unit: in billions of Won)
Borrower		Industry	Total Credit		Allowance<br>for Loan Losses
Borrower A		Real estate activities		35		10
Borrower B		Construction		33		32
Borrower C		Wholesale and retail trade		19		6
Borrower D		Information and communications		17		17
Borrower E		Wholesale and retail trade		16		13
Borrower F		Wholesale and retail trade		12		1
Borrower G		Manufacturing		10		6
Borrower H		Construction		10		10
Borrower I		Real estate activities		9		2
Borrower J		Information and communications		9		9
Borrower K		Art, Sports and Recreation Services		9		1
Borrower L		Real estate activities		9		0
Borrower M		Manufacturing		9		5
Borrower N		Manufacturing		8		2
Borrower O		Information and communications		7		5
Borrower P		Art, Sports and Recreation Services		7		3
Borrower Q		Wholesale and retail trade		7		2
Borrower R		Construction		7		3
Borrower S		Wholesale and retail trade		7		4
Borrower T		Manufacturing		6		4

—		—		247		133

3.4.	Other Financial Information
:---	:---

See Exhibits 99.1 and 99.2 attached hereto for our consolidated and separate financial statements and relevant notes, which have been prepared in accordance with K-IFRS and reviewed by our independent auditors as stated in their review reports included therein. The review reports will also be available on our website at www.kbfg.com.

4.	Independent Public Accountants
4.1.	Audit / Review Services
:---	:---
									(Unit: in millions of Won, hours)
---	---	---	---	---	---	---	---	---	---:	---	---	---	---	---	---	---
		Auditor		Activity		Agreed Per Contract						Actual
Period						Compensation			Estimated<br>Hours			Compensation			Accrued<br>Hours
January 1 to June 30, 2026		Samil PricewaterhouseCoopers		Quarterly, semi-annual and annual review & audit, review of internal accounting management system (including audit of internal control over financial reporting)			1,303			10,935			1,303			3,059
January 1 to December 31, 2025		Samil PricewaterhouseCoopers		Quarterly, semi-annual and annual review & audit, review of internal accounting management system (including audit of internal control over financial reporting)			1,333			11,600			1,333			10,634
January 1 to December 31, 2024		Samil PricewaterhouseCoopers		Quarterly, semi-annual and annual review & audit, review of internal accounting management system (including audit of internal control over financial reporting)			1,296			10,970			1,296			10,136
4.2.	Public Company Accounting Oversight Board (“PCAOB”) Audit Services
:---	:---
								(Unit: in millions of Won)
---	---	---	---	---	---	---	---	:---:	---
Period		Auditor		Activity		Service Period		Compensation
January 1 to<br>June 30, 2026		Samil Pricewaterhouse<br><br>Coopers		PCAOB audit of consolidated financial statements and internal control over financial reporting		May 1, 2026 to<br><br>April 30, 2027			809
January 1 to<br>December 31, 2025		Samil Pricewaterhouse<br><br>Coopers		PCAOB audit of consolidated financial statements and internal control over financial reporting		May 1, 2025 to<br><br>April 30, 2026			827
January 1 to<br>December 31, 2024		Samil Pricewaterhouse<br><br>Coopers		PCAOB audit of consolidated financial statements and internal control over financial reporting		May 1, 2024 to<br><br>April 30, 2025			804
4.3.	Change in Auditor
:---	:---

Not applicable.

5.	Corporate Governance and Affiliated Companies
5.1.	Board of Directors & Committees under the Board
:---	:---

As of June 30, 2026, our board of directors consisted of nine directors, comprising one executive director, one non-standing director and seven non-executive directors. The following committees currently serve under our board of directors:

•	Audit Committee;
•	Risk Management Committee;
:---	:---
•	Evaluation and Compensation Committee;
:---	:---
•	ESG Committee;
:---	:---
•	Internal Control Committee;
:---	:---
•	Non-Executive Director Nominating Committee;
:---	:---
•	Chairman Nominating Committee;
:---	:---
•	Subsidiaries’ Representative Director Nominating Committee; and
:---	:---
•	Audit Committee Member Nominating Committee (ad hoc committee).
:---	:---

For the list of our directors, see 6. Directors, Senior Management and Employees — 6.1. Executive Directors, — 6.2. Non-standing Directors and — 6.3. Non-executive Directors below.

5.2.	Audit Committee

The Audit Committee oversees our financial reporting and approves the appointment of our independent auditors and internal compliance officers. The committee also reviews our financial information, auditor’s examinations, key financial statement issues, the plans and evaluation of internal controls and the administration of our financial affairs by the board of directors. In connection with the general meetings of shareholders, the committee examines the agenda for, and financial statements and other reports to be submitted by, the board of directors to each general meeting of shareholders. The committee holds regular meetings every quarter and on an as-needed basis.

The following table shows a list of audit committee requirements under Articles 415-2 and 542-11 of the Commercial Code and how we fulfill each requirement as of June 30, 2026.

The Commercial Code Requirements		KB Financial Group
The Audit Committee must consist of three or more directors.		We have four Audit Committee members.
At least two-thirds of the Audit Committee members must be<br>non-executive directors.		All four Audit Committee members, including the chairman of the committee, are non-executive directors.
The chairman of the Audit Committee must be a non-executive director.
At least one Audit Committee member must be an accounting or financial expert.		Two Audit Committee members (Whajoon Cho, Sun Yeop Kim) are accounting or financial experts.

5.3.	Compensation to Directors
5.3.1.	Total Amount of Compensation Approved at the Annual General Meeting of Shareholders
:---	:---
(Unit: in millions of Won)
---:	---	---	---	---	---	---	---	---	---	---	---
Period		Position		Total number of<br>persons^(1)^			Total compensation approved at<br>shareholders’ meeting^(2)^			Notes
January 1 to December 31, 2026		Registered Directors<br>(Non-executive directors)			9	(7)		3,000			—
January 1 to December 31, 2025		Registered Directors<br>(Non-executive directors)			9	(7)		3,000			—
January 1 to December 31, 2024		Registered Directors<br>(Non-executive directors)			9	(7)		3,000			—
Notes: (1)	Headcount as of the record date for each fiscal year (in the case of the current period, as of June 30,<br>2026)
:---	:---
(2)	Based on the total limit for registered directors (including<br>non-executive directors). Long-term performance-linked share compensation was approved separately based on the number of shares (up to a maximum of 18,516 shares per year).
:---	:---

5.3.2.	Total Amount of Compensation Paid
(As of June 30, 2026)								(Unit: in millions of Won)
---	---	---	---	---	---	---	---	---:	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---
Period		Total number<br>of persons^(1)^			Total<br>payment^(2)^			Average<br>payment per<br>person^(3)^			Share-based<br>compensation<br>expense included in<br>total<br>compensation^(4)^			Compensation not included in total compensation<br>(on a balance basis) ^(5)^															Notes^(7)^
														Stock Options									Other share-based compensation
														Exercisable<br>quantity			Unvested<br>quantity			Remaining<br>balance			Unissued<br>quantity			Market<br>value^(6)^
January 1 to [June 30, 2026]			9			1,026			114			—			—			—			—			2,382			373		16,436
January 1 to December 31, 2025			9			1,965			224			169			—			—			—			2,295			289		18,516
January 1 to December 31,2024			9			1,616			179			17			—			—			—			198			17		18,516
Notes: (1)	Represents the total number of applicable persons as of June 30, 2026.
:---	:---
(2)	Represents the total amount paid or determined to be paid to Directors and Internal Auditor by the end of each<br>fiscal year (or June 30, 2026, as the case may be).
:---	:---
(3)	Represents the total compensation divided by the total number of persons, converted for the reporting period<br>(rounded to the nearest whole number).
:---	:---
(4)	Represents the sum of payouts from the deferred portion of short-term performance bonuses, as well as lump-sum and deferred portions of long-term performance bonuses.
:---	:---
(5)	Represents the compensation payable to Directors and [Internal Auditor] that was determined for each fiscal<br>year but remains unpaid
:---	:---
(6)	Unissued quantity × Fair market value at the end of each fiscal year (calculated as the arithmetic mean<br>of the volume-weighted average closing prices for the 2-month, 1-month, and 1-week periods preceding the record date).
:---	:---
	Fair market value: Won 87,156 as of December 31, 2024; Won 125,944 as of December 31, 2025; Won<br>156,567 as of June 30, 2026.
:---	:---
(Unconfirmed fair market values are calculated based on the rate as of June 30, 2026).
:---
(7)	The number of long-term performance shares represents the maximum deliverable shares whose payouts remain<br>unfinalized as of June 30, 2026. The actual number of shares to be delivered will be finalized following the completion of the performance evaluation period.
:---	:---

5.3.3.	Compensation Breakdown by Position and Role
(As of June 30, 2026)																						(Unit: in millions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---:	---	---	---	---	---	---	---	---	---
Position		Period		Total<br>number of<br>persons			Total<br>payment			Average<br>payment<br>per person			Share-based<br>compensation<br>expense included in<br>total<br>compensation			Compensation excluded from total compensation<br>(balance basis)															Notes
																Stock Options									Other share-based<br>compensation
																Exercisable<br>quantity			Unvested<br>quantity			Remaining<br>balance			Unissued<br>quantity			Market<br>value
Registered Directors (excluding non-executive directors and Audit Committee members)		January 1 to December 31, 2026			2			650			325			—			—			—			—			2,382			373		16,436
		January 1 to December 31, 2025			2			1,271			718			169			—			—			—			2,295			289		18,516
		January 1 to December 31, 2024			2			938			468			17			—			—			—			198			17		18,516
Non-executive<br>Directors (excluding Audit Committee members)		January 1 to December 31, 2026			3			160			53			—			—			—			—			—			—
		January 1 to December 31, 2025			3			299			100			—			—			—			—			—			—
		January 1 to December 31, 2024			3			283			94			—			—			—			—			—			—
Audit Committee members		January 1 to December 31, 2026			4			217			54			—			—			—			—			—			—
		January 1 to December 31, 2025			4			395			99			—			—			—			—			—			—
		January 1 to December 31, 2024			4			395			98			—			—			—			—			—			—
Internal Auditor		January 1 to December 31, 2026			—			—			—			—			—			—			—			—			—
		January 1 to December 31, 2025			—			—			—			—			—			—			—			—			—
		January 1 to December 31, 2024			—			—			—			—			—			—			—			—			—

5.3.4.	Compensation Breakdown by Types of Income
(As of June 30, 2026)														(Unit: in millions of Won)
:---:	---	---	---	---	---	---	---	---	---	---	---	---	---	---:	---	---	---	---	---	---	---
Position		Period	Salary		Bonus			Gains from<br>Exercise of<br>Stock Options			Other Share-<br>Based<br>Compensation<br>Paid			Other Earned<br>Income			Retirement<br>Benefits			Other<br>Income
Registered Directors (excluding non-<br><br>executive directors and Audit Committee members)		January 1 to<br>December 31, 2026		450		200			—			—			—			—			—
		January 1 to<br>December 31, 2025		900		200			—			169			2			—			—
		January 1 to<br>December 31,2024		900		21			—			17			—			—			—
Non-executive<br>Directors (excluding Audit Committee members)		January 1 to<br>December 31, 2026		81		—			—			—			79			—			—
		January 1 to<br>December 31, 2025		162		—			—			—			137			—			—
		January 1 to<br>December 31,2024		163		—			—			—			120			—			—
Audit Committee members		January 1 to<br>December 31, 2026		112		—			—			—			105			—			—
		January 1 to<br>December 31, 2025		224		—			—			—			171			—			—
		January 1 to<br>December 31,2024		221		—			—			—			174			—			—
Internal Auditor		January 1 to<br>December 31, 2026		—		—			—			—			—			—			—
		January 1 to<br>December 31, 2025		—		—			—			—			—			—			—
		January 1 to<br>December 31,2024		—		—			—			—			—			—			—

5.4.	Top 5 Highest-Paid Individuals
5.4.1	Compensation Exceeding Won 500 million – Individual Basis^(1)^
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(As of June 30, 2026)																							(Unit: in millions of Won)
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Name		Period		Position		Total<br>payment^(2)^			Share-based compensation included in<br>total compensation^(3)^								Compensation excluded from total compensation<br>(balance basis) ^(4)^																		Notes
									Type		Quantity			Amount			Stock Options												Other share-base<br>compensation
																	Exercisable<br>quantity			Unvested<br>quantity			Exercise<br>price			Remaining<br>balance			Unissued<br>quantity			Market<br>value^(5)^
Jong Hee Yang		January 1 to December 31, 2026		Chairman			650		—			—			—			—			—			—			—			2,382			373			16,436
		January 1 to December 31, 2025		Chairman			1,890		Share-linked cash<br>compensation			6,260			788			—			—			—			—			2,295			289			18,516
		January 1 to December 31, 2024		Chairman			1,848		Share-linked cash<br>compensation			9,933			730			—			—			—			—			1,911			167			18,516
Sang Rok Na		January 1 to December 31, 2026		Senior<br>Managing<br>Director			764		Share-linked cash<br>compensation			4,206			530			—			—			—			—			3,407			533			1.826
		January 1 to December 31, 2025		Managing<br>Director			343		Share-linked cash<br>compensation			343			43			—			—			—			—			688			87
		January 1 to December 31, 2024		Managing<br>Director			198		Share-linked cash<br>compensation			—			—			—			—			—			—			—			—
Keoung Nam Kim		January 1 to December 31, 2026		Senior<br>Managing<br>Director			701		Share-linked cash<br>compensation			3,729			470			—			—			—			—			4,546			712			1,667
		January 1 to December 31, 2025		Managing<br>Director			405		Share-linked cash<br>compensation			350			44			—			—			—			—			702			88
		January 1 to December 31, 2024		Managing<br>Director			231		—			—			—			—			—			—			—			—			—
Notes: (1)	Prepared based on the compensation paid or determined to be paid to executives and employees as of the record<br>date of each fiscal year.
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(2)	Prepared based on individuals subject to the Statement of Wage and Salary Income submitted to the competent tax<br>office pursuant to Article 20 of the Income Tax Act of Korea for each fiscal year (based on the primary entity affiliation; the same applies hereinafter). (Same below; for Chairman Yang Jong Hee, performance-based compensation accrued during his<br>tenure as Vice Chairman is included)
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(3)	Represents the sum of payouts from the deferred portion of short-term performance bonuses, as well as lump-sum and deferred portions of long-term performance bonuses.
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(4)	Represents the compensation payable to executives and employees that was determined, but not paid, for each<br>fiscal year but remains unpaid.
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(5)	Represents the compensation payable to Directors and Audit Committee Members that was determined, but not paid,<br>for each fiscal year but remains unpaid.
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(6)	Unissued quantity × Fair market value at the end of each fiscal year (calculated as the arithmetic mean<br>of the volume-weighted average closing prices for the 2-month, 1-month, and 1-week periods preceding the record date).
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	Fair market value: Won 87,156 as of December 31, 2024; Won 125,944 as of December 31, 2025; Won<br>156,567 as of June 30, 2026. (Unconfirmed fair market values are calculated based on the rate as of June 30, 2026).
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(7)	The number of long-term performance shares represents the maximum deliverable shares whose payouts remain<br>unfinalized as of June 30, 2026. The actual number of shares to be delivered will be finalized following the completion of the performance evaluation period.
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5.4.2	Status of Other Share-Based Compensation Granted
(As of June 30, 2026)																									(Unit: in millions of Won)
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Name		Grant/Settlement<br>(Cancellation)<br>date^(1)^			Title		Newly<br>granted<br>quantity			Cumulative<br>granted<br>quantity^(2)^			Shares issued<br>during the<br>period			Cumulative net change^(3)^						Unissued<br>quantity at<br>period-end			Vesting<br>conditions			Timing of<br>settlement		Basis and<br>procedure<br>for grant^(4)^
																Settlement			Cancellation
Jong Hee Yang			2026.3.6		Performance<br>bonus			2,382			15,503			—			8,915			—			6,588			—		For three years from the initial deferred settlement date
Sang Rok Na			2026.3.19		Performance<br>bonus			7,613			8,644			4,206			4,549			—			4,095			—		For three years from the initial deferred settlement date
Keoung Nam Kim			2026.3.19		Performance<br>bonus			8,275			9,327			3,729			4,079			—			5,248			—		For three years from the initial deferred settlement date
Notes: (1)	Represents the date on which the newly granted quantity was determined.
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(2)	Represents the cumulative quantity granted that was paid or determined to be paid during the reporting period<br>(figures for Chairman Jong Hee Yang include 9,085 shares that had been granted during his tenure as Vice Chairman).
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(3)	Represents the cumulative quantity paid or cancelled during the reporting period, excluding shares granted and<br>paid prior to the reporting period (for Chairman Jong Hee Yang, the 7,372 shares confirmed to be granted for his tenure as Vice Chairman during the reporting period are included, while the 7,278 shares granted and paid prior to the reporting period<br>are excluded).
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(4)	Unless otherwise noted, refers to relevant internal regulations and approvals by the Evaluation and<br>Compensation Committee, among others.
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5.4.3	Calculation Criteria and Method of Compensation
Period		Name		Compensation Type				Total				Calculation Criteria and Method
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January 1<br>to<br>June 30,<br>2026		Jong Hee Yang		Earned income		Salary			450			- A monthly salary was paid in equal monthly installments in accordance with the amount of<br>annual salary determined through a resolution of the Evaluation and Compensation Committee within the limit of the total amount of compensation approved at the shareholders’ meeting. (including allowances for business expenses of Won<br>200 million.)
						Bonus			200			- The bonus paid in 2026<br>represents a lump-sum short-term performance-based compensation corresponding to the performance evaluation period from January 1, 2025 to December 31, 2025, totaling Won 200 million<br><br>- The short-term performance evaluation<br>index for the period after his appointment as the CEO and Chairman consisted of quantitative indicators (including ROE, total operating income, net profit from non-banking businesses, comprehensive NPL ratio,<br>RORWA, Tier 1 ratio, and C/I ratio), as well as non-quantitative results (such as improving the core competitiveness of the Group, enhancing its core businesses, expanding new growth drivers, innovating both physical and digital channels, advancing<br>the Group’s operating model through technology and human capital, and strengthening customer value creation and the foundation for sustainable growth). The amount of the short-term incentive payment is determined by the Evaluation and<br>Compensation Committee based on the aggregate score of the index items above and is within the range of 0%-100% of base salary.<br><br>- With respect to the quantitative indicators, the Group’s net profit for 2025 was Won<br>5,833.2 billion, primarily due to well-managed asset qualities and cost efficiencies. Such results, among others, were considered to be major achievements that were reflected in the performance evaluation.
						Gain on exercise<br>of stock options			—			—
						Share-based<br>compensation			—			—
						Other earned income			—			—
				Retirement income					—			—
				Other income					—			—
				Excluded items from total<br>compensation		Gain on exercise<br>of stock options						—
						Share-based compensation						- Compensation not<br>included in the total compensation amount totals Won 373 million (equivalent to 2,382 shares)<br><br>- A total of 2,382 shares were allocated as deferred short-term performance incentives corresponding to the<br>FY2025 performance evaluation period (January 1, 2025 to December 31, 2025). The actual payout amounts will be finalized at a future date, reflecting the fair market value as of each respective payout reference date.<br><br>- Note: Separately, performance shares (up<br>to 16,436) were granted as long-term performance incentives. The actual number of shares to be paid will be determined based on the long-term performance evaluation results (November 21, 2023 to November 20,<br>2026).

Period	Name	Compensation Type			Calculation Criteria and Method
January 1<br>to<br>June 30,<br>2026	Sang Rok Na	Earned income	Salary	115	- A monthly salary was paid in equal monthly installments in accordance with the amount of<br>annual salary determined based on his position and responsibilities pursuant to our internal policy regarding executive officers.
			Bonus	114	- The bonus paid in 2026<br>represents a lump-sum short-term performance-based compensation corresponding to the performance evaluation period from January 1, 2025 to December 31, 2025, totaling Won 114 million.<br><br>- His 2025 short-term performance index<br>consisted of qualitative metrics linked to strategic management initiatives in his capacity as Managing Director of Finance. The final payout amount was determined within a range of 0% to 120% of the base salary based on a comprehensive evaluation<br>by the Evaluation and Compensation Committee.<br><br>- Major achievements that were considered included managing IR activities and the annual general<br>shareholder’s meeting with a focus on enhancing corporate and shareholder value in 2025, and boosting corporate value through the effective implementation of the Corporate Value-up<br>Framework.
			Gain on exercise<br>of stock options	—	—
			Share-based<br>compensation	530	- Share-based<br>compensation paid in 2026 represents a lump-sum long-term incentive for 2024–2025, comprising 4,206 shares (valued at Won 530 million).<br><br>- Long-term performance metrics consist of<br>Relative Total Shareholder Return (Relative TSR), group performance, and individual job performance. The LTI amount was calculated within a range of 0% to 100% of annualized base salary based on the achievement rate for each metric during the<br>tenure.<br><br>- Relative TSR took into<br>account stock price performance compared to peers during the performance evaluation contract period. Group performance and individual job performance were reflected by taking the arithmetic average of annual performance evaluation<br>results.
			Other earned income	5	- Other benefits
		Retirement income		—	—
		Other income		—	—
		Excluded items from total<br>compensation	Gain on exercise of stock options		—
			Share-based compensation		- Compensation excluded<br>from the total compensation amount totals Won 533 million (equivalent to 3,407 shares)<br><br>- A total of 603 shares were allocated as deferred short-term performance incentives corresponding to the FY2025<br>performance evaluation period (January 1, 2025 to December 31,2025).<br><br>- A total of 2,804 shares were allocated as deferred long-term performance incentives corresponding to the<br>FY2025 performance evaluation period (January 1, 2025 to December 31,2025). The actual payout amounts will be finalized at a future date reflecting the fair market value as of each respective payout reference date.<br><br>- Note: Separately, performance shares (up<br>to 1,826) were granted as long-term performance incentives. The actual number of shares to be paid will be determined based on the long-term performance evaluation results (January 1, 2026 to December 31, 2027)

Period	Name	Compensation Type			Calculation Criteria and Method
January 1<br>to<br><br>June 30,<br>2026	Keoung Nam Kim	Earned income	Salary	120	- A monthly salary was paid in equal monthly installments in accordance with the amount of<br>annual salary determined based on his position and responsibilities pursuant to our internal policy regarding executive officers.
			Bonus	103	- The bonus paid in 2026<br>represents a lump-sum short-term performance-based compensation corresponding to the performance evaluation period from January 1, 2025 to December 31, 2025, totaling Won 103 million.<br><br>- His 2025 short-term performance index<br>consisted of qualitative metrics linked to management goals in his role as Senior Managing Director of ESG & Inclusive Growth Division. The final payout amount was determined within a range of 0% to 120% of base salary, as comprehensively<br>evaluated by the Evaluation and Compensation Committee.<br><br>- Major achievements that were considered included the group-wide promotion of KB Social Contribution<br>initiatives and business expansions linked to ESG management activities in 2025.
			Gain on exercise<br>of stock options	—	—
			Share-based<br>compensation	470	- Share-based<br>compensation paid in 2026 represents a lump-sum long-term incentive for 2024–2025, comprising 3,729 shares (valued at Won 470 million).<br><br>- Long-term performance metrics consist of<br>Relative Total Shareholder Return (Relative TSR), group performance, and individual job performance. The LTI amount was calculated within a range of 0% to 100% of annualized base salary based on the achievement rate for each metric during the<br>tenure.<br><br>- Relative TSR took into<br>account stock price performance compared to peers during the performance evaluation contract period. Group performance and individual job performance were reflected by taking the arithmetic average of annual performance evaluation<br>results.
			Other earned income	8	- Other<br>benefits
		Retirement income		—	—
		Other income		—	—
		Excluded items from total<br>compensation	Gain on exercise<br>of stock options		—
			Share-based compensation		- Compensation excluded<br>from the total compensation amount totals Won 712 million (equivalent to 4,546 shares)<br><br>- A total of 816 shares were allocated as deferred short-term performance incentives corresponding to the FY2025<br>performance evaluation period (January 1, 2025 to December 31,2025).<br><br>- A total of 3,730 shares were allocated as deferred long-term performance incentives corresponding to the<br>FY2025 performance evaluation period (January 1, 2025 to December 31,2025). The actual payout amounts will be finalized at a future date reflecting the fair market value as of each respective payout reference date.<br><br>- Note: Separately, performance shares (up<br>to 1,667) were granted as long-term performance incentives. The actual number of shares to be paid will be determined based on the long-term performance evaluation results (January 1, 2026 to December 31, 2027).

5.5.	Stock-based Compensation
5.5.1.	Stock-Linked Cash Compensation (Phantom Stock)
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Pursuant to the Group’s director compensation regulations and executive officer management regulations, the Evaluation and Compensation Committee determines various aspects of the performance evaluation and compensation of the Group’s management, and establishes and evaluates the performance evaluation and compensation criteria for management on an annual basis through its committee resolutions. The short-term performance bonuses (annual evaluation) and long-term performance bonuses (multi-year cumulative evaluation) that were determined on the basis of such evaluation results are paid and operated in the form of cash compensation and stock compensation (performance-linked shares, restricted stock).

A portion (40 to 60%) of the short-term bonus is paid in cash immediately, while the remaining portion (60 to 40%) is converted to restricted stocks and paid on a deferred basis. The long-term bonus is granted as performance-linked shares based on a cumulative evaluation covering two years of performance (three years for the CEO). A portion of such performance-linked shares is paid in cash in an amount corresponding to the stock value, while the remaining portion is converted to restricted stocks and paid on a deferred basis, similar to the short-term performance bonuses. The deferred portions of the short-term and long-term performance bonuses are paid in cash, reflecting the stock price (fair market value) at the time of the deferred payment.

5.5.2.	Changes in the Amounts of Stock-based Compensation
5.5.2.1	Long-Term Performance Compensation
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					(Unit: Number of shares, except number<br>of recipients)
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		For the six months ended<br>June 30, 2026			For the year ended<br>December 31, 2025			For the year ended<br>December 31, 2024
Number of Recipients^(1)(2)^			11			12			13
Number of Performance-Linked Shares Granted^(2)(3)^			35,666			37,628			73,213
Number of Performance-Linked Shares Paid During the Period (a+b)^(4)^			48,241			41,877			69,947
a. Number of Shares for Stock-Linked Cash Compensation			24,932			20,406			33,431
b. Number of Shares Converted to Restricted Stocks to be Paid on a Deferred Basis			23,309			21,471			36,516
Evaluation Adjustment			(266	)		(684	)		(4,146	)
Cumulative Number of Performance-Linked Shares Paid<br>(Sum of<br>Stock-Linked Cash Compensation and<br>Restricted Stock Conversion)^(5)^			160,065			247,869			242,463
Number of Unpaid Performance-Linked Shares^(3)(6)^			129,819			142,660			147,593
Notes: (1)	Based on the beneficiaries reported to the tax office pursuant to Article 20 of the Income Tax Act of Korea.
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(2)	Based on the number of individuals who entered into stock-based compensation agreements each year and the<br>number of shares scheduled to be granted according to such agreements.
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(3)	Adjusted based on the period of employment during the performance-linked share grant period.
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(4)	Represents the final number of shares determined after adjustments based on evaluation results. According to<br>the Act on the Corporate Governance of Financial Companies, a portion (40 to 60%) is paid as stock-linked cash compensation applying the stock price (fair market value) at the end of the evaluation period, while the remainder (60 to 40%) is<br>converted to restricted stocks and paid on a deferred basis for one year from the end of the evaluation period or one year after retirement, and then paid over three years applying the stock price (fair market value) at the time of each deferred<br>payment.
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(5)	Represents the cumulative number of shares paid up to the record date of disclosure during the reporting<br>period.
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(6)	Represents the number of shares granted at the end of the year minus the actual number of shares paid.
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5.5.2.2.	Restricted Stock
					(Unit: Number of shares, except number<br>of recipients)
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		For the six months ended<br>June 30, 2026			For the year ended<br>December 31, 2025			For the year ended<br>December 31, 2024
Number of Payment Recipients			27			21			26
Number of Shares Confirmed for Deferral^(1)^			36,978			43,076			64,997
Number of Shares Paid^(1)^			60,132			75,896			73,878
Cumulative Number of Shares Paid^(3)^			209,906			216,286			198,824
Number of Unpaid Shares^(1)^			105,779			128,933			161,753
Notes: (1)	Based on the number of restricted stocks confirmed based on the period of employment and the resolutions of the<br>Evaluation and Compensation Committee.
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(2)	Restricted stock is paid in cash reflecting the stock price (fair market value) at the time of each deferred<br>payment, after one year from the end of the evaluation period or one year after retirement, over three years.
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(3)	Represents the cumulative number of shares paid up to the record date of disclosure during the reporting<br>period.
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5.6.	Affiliated Companies
5.6.1.	List of Affiliated Companies
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Affiliated companies of KB Financial Group that are first-tier subsidiaries and KB Financial Group’s ownership of such companies as of June 30, 2026 are as follows.

1)	Kookmin Bank (100.00%)
2)	KB Securities Co., Ltd. (100.00%)
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3)	KB Insurance Co., Ltd. (100.00%)
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4)	KB Kookmin Card Co., Ltd. (100.00%)
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5)	KB Life Insurance Co., Ltd. (100.00%)
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6)	KB Asset Management Co., Ltd. (100.00%)
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7)	KB Capital Co., Ltd. (100.00%)
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8)	KB Real Estate Trust Co., Ltd. (100.00%)
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9)	KB Savings Bank Co., Ltd. (100.00%)
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10)	KB Investment Co., Ltd. (100.00%)
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11)	KB Data Systems Co., Ltd. (100.00%)
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6.	Directors, Senior Management and Employees
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6.1.	Executive Directors
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As of June 30, 2026, we had one executive director. The name, position and the end of the term of our executive director and the number of shares of our common stock he owned as of June 30, 2026 are set forth below.

Name		Date of Birth			Position			Common Shares Owned			End of Term
Jong Hee Yang			June 1961			Chairman & Chief Executive Officer			5,914			November 20, 2026

6.2.	Non-standing Directors

As of June 30, 2026, we had one non-standing director. The name, position and the end of the term of our non-standing director and the number of shares of our common stock he owned as of June 30, 2026 are set forth below.

Name
Hwan Ju Lee		October 1964	Non-standing Director	4,131	March 25, 2027
Note: (1)	The date designated as Mr. Hwan Ju Lee’s end of term is the date of the annual general meeting of<br>shareholders for fiscal year 2026, which is expected be held in March 2027.
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6.3.	Non-executive Directors
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As of June 30, 2026, we had seven non-executive directors. The name, position and the end of the term of our non-executive directors and the number of shares of our common stock they respectively owned as of June 30, 2026 were as follows.

Name	Date of Birth	Position		End of Term
Whajoon Cho	February 1957	Non-executive Director	—	March 25, 2027
Jaehong Choi	August 1962	Non-executive Director	—	March 25, 2027
Eun Young Chah	October 1962	Non-executive Director	—	March 25, 2027
Myong-Hwal Lee	May 1964	Non-executive Director	—	March 25, 2027
Sung-Yong Kim	March 1966	Non-executive Director	—	March 25, 2027
Sun Yeop Kim	November 1969	Non-executive Director	—	March 25, 2027
Jeong Ho Seo	August 1969	Non-executive Director	—	March 25, 2028

6.4.	Senior Management

Members of our senior management as of June 30, 2026 are as follows.

Name	Date of Birth	Position
Chang Kwon Lee	November 1965	Senior Executive Vice President and Chief Strategy Officer	3,010	December 31, 2026
Jae Keun Lee	May 1966	Senior Executive Vice President and Chief Business Officer of Global, Wealth Management and<br>Corporate Finance	2,119	December 31, 2026
Sung Hyun Kim	August 1963	Senior Executive Vice President and Chief Business Officer of Corporate Investment Banking and<br>Capital Markets	23,468	December 31, 2026
Young Suh Cho	February 1971	Executive Vice President and Deputy Chief Strategy Officer	2,000	December 31, 2026
Seok Mun Choi	August 1968	Executive Vice President and Chief Ethics and Compliance Officer	1,982	December 31, 2027
Keoung Nam Kim	August 1967	Senior Managing Director and Head of the ESG Division	2,666	December 31, 2026
Sang Rok Na	August 1972	Senior Managing Director and Chief Financial Officer	1,568	December 31, 2026
Hong Sun Yum	February 1971	Senior Managing Director and Chief Risk Management Officer	1,144	December 31, 2026
Shin Dong Jeung	January 1966	Senior Managing Director and Head of KB Research	2,130	December 31, 2026
Young Gi Seo	August 1965	Senior Managing Director and Vice Head of KB Research	—	December 31, 2026
Young June Park	November 1969	Senior Managing Director and Head of Audit Department	873	December 31, 2026
Hee Seung Yun	April 1974	Managing Director and Chief Business Officer of Insurance	980	December 31, 2026
Dong Wook Joo	July 1975	Managing Director and Chief Human Resources Officer	967	December 31, 2027
Seung Ho Kang	November 1975	Managing Director and Head of Secretariat	762	December 31, 2027
Sun Hyun Park	June 1970	Chief Consumer Protection Officer	2,836	December 31, 2027
Jin Young Park	September 1972	Chief Public Relation Officer	2,713	December 31, 2026
Hyoung Joo Park	July 1971	Head of AI • DT Initiative Division	808	December 31, 2026
Sang Won Oh	December 1967	Head of the IT Division	969	December 31, 2026
Kyeong Jong Lee	February 1978	Head of the Financial AI Center 2	200	December 31, 2026
Hyun Jung Lee	March 1977	Head of the Customer Experience Design Center	466	December 31, 2026
Byoung Ha Choi	September 1972	Head of the Group Architecture Center	715	December 31, 2026
Myoung Hwa Park	December 1969	Head of the Planning & Coordination Department	1,223	December 31, 2026
Jae Yong Lee	June 1968	Head of Information Security Department	993	December 31, 2026
Note: (1)	The numbers of common shares owned are as of June 30, 2026 and includes those owned in the holder’s<br>name under the employee stock ownership association’s account, and may differ from the number of shares owned as reported pursuant to Article 173 of the Financial Investment Services and Capital Markets Act.
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As of June 30, 2026, the following management also served as senior management at our subsidiaries.

Name	Subsidiary	Position	Appointment Date
Hwan Ju Lee	Kookmin Bank	Chief Executive Officer	January 2025
Keoung Nam Kim	Kookmin Bank	Head of the ESG Division	July 2025
Sun Hyun Park	Kookmin Bank	Senior Executive Vice President, Consumer Protection Group	January 2026
Jin Young Park	Kookmin Bank	Senior Executive Vice President, Brand & PR Group	January 2026
Hyoung Joo Park	Kookmin Bank	Head of AI • DT Initiative Division	January 2026
Sang Won Oh	Kookmin Bank	Senior Executive Vice President, Tech Development Group	January 2024
Kyeong Jong Lee	Kookmin Bank	Managing Director, Head of the Financial AI Center 2	January 2025
Hyun Jung Lee	Kookmin Bank	Head of the Customer Experience Design Center	January 2025
Byoung Ha Choi	Kookmin Bank	Head of the Tech Development Division	January 2025
Myoung Hwa Park	Kookmin Bank	Head of the Planning & Coordination Department	January 2025
Jae Yong Lee	Kookmin Bank	Managing Director, Head of Information Security Department	August 2022
Young Suh Cho	KB Securities	Non-standing Director	February 2026
Sang Rok Na	KB Insurance	Non-standing Director	February 2025
	KB Card	Non-standing Director	April 2026
Hee Seung Yun	KB Asset Management	Non-standing Director	February 2026
Dong Wook Joo	KB Life Insurance	Non-standing Director	March 2026
6.5.	Employees
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The following table shows information regarding our employees and compensation paid to them as of June 30, 2026.

								(Unit: in millions of Won)
Number of<br><br>Employees^(1)^		Average Tenure of<br>Employees^(2)^			Total Amount of<br>Compensation^(3)^			Average Compensation<br>per Person^(4)^
136			3 years and 6months<br><br>(17 years and 6months	)		16,738	^(5)^		121	^(5)^
Notes:	(1) Includes all employees as of June 30, 2026, including executive officers.
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(2)	The duration in parentheses includes tenure at our subsidiaries.
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(3)	Based on the sum of all compensation paid from January 1, 2026 to June 30, 2026.
:---	:---
(4)	Based on the sum of the average monthly compensation of each month from January 1, 2026 to June 30,<br>2026, which is computed by dividing the sum of all compensation paid each month by the number of employees (including executive officers) at the end of each month.
:---	:---
(5)	The total amount of compensation paid from January 1, 2026 to June 30, 2026 includes special bonuses<br>for the fiscal year 2025. Excluding such special bonuses, the average compensation per employee amounts to Won 102 million.
:---	:---

The following table shows information regarding our executive officers and compensation paid to them as of June 30, 2026.

					(Unit: in millions of Won)
Number of<br><br>Executive Officers(A)		Total Amount of Annual<br>Salaries(B)			Average Annual Salary<br>per Person(B/A)
14			4,006			286

7.	Major Shareholders and Related Party Transactions
7.1.	Major Shareholders
:---	:---

The following table presents information regarding holders of 5% or more of our total issued shares based on our shareholder registry as of June 30, 2026, unless specified otherwise.

					(Unit: shares, %)
Name		Number of Shares of Common Stock			Percentage of Total Issued Shares^(1)^
Korean National Pension Service			32,734,500			9.23
BlackRock Fund Advisors^(2)^			26,288,623			7.41
Capital Research and Management Company ^(3)^			25,436,245			7.17
JP Morgan Chase Bank, N.A.^(4)^			21,896,527			6.17
Notes:	(1) Based on 354,687,734 shares of our common stock issued as of June 30, 2026.
:---	:---
(2)	The above number of shares and the percentage of total issued shares held by BlackRock Fund Advisors are as of<br>February 28, 2026 and are based on the disclosure made by BlackRock Fund Advisors in a statement of acquisition filing on March 11, 2026.
:---	:---
(3)	The above number of shares and the percentage of total issued shares held by Capital Research and Management<br>Company are as of March 31, 2026 and are based on disclosure made by Capital Research and Management Company in a statement of acquisition filing on April 7, 2026.
:---	:---
(4)	Depositary under the Company’s ADR program. The voting rights are held by ADR holders.
:---	:---
7.2.	Changes in the Largest Shareholder
:---	:---
								(Unit: shares, %)
---	---	---	---	---	---	---	---	---:	---
Name of Largest Shareholder		Date of Change in Largest<br>Shareholder/<br>Date of Change in Number<br>of Shares Owned			Number of Shares of<br>Common Stock^(1)^			Percentage of Total<br>Issued Shares^(2)^
Korean National Pension Service			June 30, 2021			40,626,942			9.77
Korean National Pension Service			December 31, 2021			37,626,516			9.05
Korean National Pension Service			January 27, 2022			37,188,199	^(3)^		8.94
Korean National Pension Service			March 31, 2022			36,008,504			8.73
Korean National Pension Service			June 30, 2022			33,830,623			8.20
Korean National Pension Service			September 30, 2022			32,594,691			7.97
Korean National Pension Service			October 12, 2022			32,457,827	^(4)^		7.94
Korean National Pension Service			December 31, 2022			32,499,151			7.95
Korean National Pension Service			March 31, 2023			33,572,593			8.21
Korean National Pension Service			June 30, 2023			33,183,590			8.22
Korean National Pension Service			September 30, 2023			35,321,767			8.75
Korean National Pension Service			October 6, 2023			35,273,578			8.74
Korean National Pension Service			December 31, 2023			33,473,917			8.30
Korean National Pension Service			February 29, 2024			33,704,092			8.35
Korean National Pension Service			March 31, 2024			33,200,471			8.23
Korean National Pension Service			June 30, 2024			33,326,122			8.26
Korean National Pension Service			September 30, 2024			32,308,082			8.21
Korean National Pension Service			December 31, 2024			33,095,691			8.41
Korean National Pension Service			March 31, 2025			32,919,773			8.37
Korean National Pension Service			June 30, 2025			33,064,648			8.40
Korean National Pension Service			August 11, 2025			31,844,527			8.35
Korean National Pension Service			September 30, 2025			31,601,545			8.28
Korean National Pension Service			November 14, 2025			32,666,149			8.56
Korean National Pension Service			December 31, 2025			33,107,971			8.68
Korean National Pension Service			January 29, 2026			33,341,919	^(5)^		8.94
Korean National Pension Service			February 27, 2026			33,379,901			8.95
Korean National Pension Service			March 31, 2026			33,505,649			8.99
Korean National Pension Service			May 8, 2026			33,460,006			8.97
Korean National Pension Service			June 13, 2026			33,101,147	^(6)^		9.33
Korean National Pension Service			June 30, 2026			32,734,500			9.23

Notes:	(1) Based on our shareholder registry as of the end of each applicable year unless specified<br>otherwise.
(2)	Total number of shares of common stock issued as of the following dates:
:---	:---
From December 12, 2019 to February 14, 2022: 415,807,920 shares
:---
From February 14, 2022 to August 1, 2022: 412,352,494 shares
:---
From August 1, 2022 to April 4, 2023: 408,897,068 shares
:---
From April 4, 2023 to August 14, 2024: 403,511,072 shares
:---
From August 14, 2024 to May 15, 2025: 393,528,423 shares
:---
From May 15, 2025 to January 15, 2026: 381,462,103 shares (However, the number of shares and the<br>shareholding ratio of the
:---
Korean National Pension Service as of June 30, 2025 are based on the shareholder registry as of<br>May 12, 2025, or 393,528,423 shares)
:---
From January 15, 2026 to May 15, 2026: 372,850,455 shares
:---
After May 15, 2026: 354,687,734 shares
:---

(3) Based on disclosure made by the Korean National Pension Service in a statement of disposal filing on February 4, 2022.

(4) Based on disclosure made by the Korean National Pension Service in a statement of disposal filing on November 2, 2022.

(5) Based on disclosure made by the Korean National Pension Service in a statement of acquisition filing on February 2, 2026.

(6) Based on disclosure made by the Korean National Pension Service in a statement of disposal filing on June 17, 2026.

7.3.	Employee Stock Ownership Association (As of June 30, 2026)
		(Unit: shares)
---	---	---:	---
Company Name		Number of Shares of<br>Common Stock Owned
Kookmin Bank			6,624,756
KB Kookmin Card Co., Ltd.			658,665
KB Financial Group Inc.			73,786
KB Data Systems Co., Ltd.			63,789
KB Life Insurance Co., Ltd.			21,412
KB Real Estate Trust Co., Ltd.			18,763
KB Insurance Co., Ltd.			868,379
KB Credit Information Co., Ltd.			12,242
KB Investment Co., Ltd.			4,118
KB Asset Management Co., Ltd.			17,781
KB Savings Bank Co., Ltd.			17,208
KB Securities Co., Ltd.			75,418
KB Capital Co., Ltd.			145,417
KB Fund Partners Co., Ltd.			20,983
Others^(1)^			38,085

Total			8,660,802

Note:	(1) Shares of common stock attributable to an account owned by the employee stock ownership association<br>of KB Financial Group.
:---	:---

7.4.	Investments in Affiliated Companies
(As of June 30, 2026)												(Units: shares, %, millions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---:	---	---	---	---	---
Company Name		Ending Balance										Total assets as<br>of the latest<br>fiscal year			Net<br>income(loss)<br>for the latest<br>fiscal year
			Number of<br>shares owned				Ownership			Book value
Kookmin Bank			404,379,116				100			14,821,721			626,871,068			2,225,402
KB Securities Co., Ltd.			331,953,757				100			4,042,391			102,789,277			796,291
KB Insurance Co., Ltd.			66,500,000				100			2,375,430			44,637,350			478,792
KB Kookmin Card Co., Ltd.			92,000,000				100			1,953,175			31,284,995			218,931
KB Life Insurance Co., Ltd.			16,201,518				100			2,795,367			35,190,078			141,565
KB Asset Management Co., Ltd.			7,667,550				100			96,312			533,542			83,054
KB Capital Co., Ltd.			32,175,147				100			873,811			18,611,330			138,132
KB Real Estate Trust Co., Ltd.			33,504,806				100			571,553			1,333,431			(153,119	)
KB Savings Bank Co., Ltd.			8,001,912				100			176,813			2,264,759			(2,076	)
KB Investment Co., Ltd.			22,525,328				100			154,910			1,813,197			22,800
KB Data Systems Co., Ltd.			800,000				100			6,334			83,777			3,428

Total			—				—			27,867,817			—			—

Note: (1) Based on each affiliate’s financial statements prepared in accordance with K-IFRS

7.5.	Related Party Transactions
7.5.1.	Purchase of Capital Securities Issued by KB Securities Co., Ltd.
:---	:---
									(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---:
Issuer	Relationship	Type	Issue Amount	Issue Date	Interest Rate			Maturity Date	Use of Proceeds
KB Securities Co., Ltd.	Subsidiary	No. 1 Private Placement of Capital Securities in Won	200	March 31, 2022		4.300	%	March 31, 2052<br><br>(may be extended)	Working capital
									(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---:
Issuer	Relationship	Type	Issue Amount	Issue Date	Interest Rate			Maturity Date	Use of Proceeds
KB Securities Co., Ltd.	Subsidiary	No. 3 Private Placement of Capital Securities in Won	230	September 30, 2022		5.500	%	September 30, 2052<br><br>(may be<br>extended)	Working capital
									(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---:
Issuer	Relationship	Type	Issue Amount	Issue Date	Interest Rate			Maturity Date	Use of Proceeds
KB Securities Co., Ltd.	Subsidiary	No. 4 Private Placement of Capital Securities in Won	100	May 8, 2023		5.350	%	May 8, 2053<br><br>(may be extended)	Working capital

7.5.2.	Purchase of Capital Securities Issued by KB Capital Co., Ltd.
									(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---:
Issuer	Relationship	Type	Issue Amount	Issue Date	Interest Rate			Maturity Date	Use of Proceeds
KB Capital Co., Ltd.	Subsidiary	No. 299 Private Placement of Capital Securities in Won	50	March 27, 2015		7.840	%^(1)^	March 27, 2045<br><br>(may be<br>extended)	Working capital
									(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---:
Issuer	Relationship	Type	Issue Amount	Issue Date	Interest Rate			Maturity Date	Use of Proceeds
KB Capital Co., Ltd..	Subsidiary	No. 320 Private Placement of Capital Securities in Won	50	September 24, 2015		7.412	%^(1)^	September 24, 2045<br><br>(may be<br>extended)	Working capital
									(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---:
Issuer	Relationship	Type	Issue Amount	Issue Date	Interest Rate			Maturity Date	Use of Proceeds
KB Capital Co., Ltd.	Subsidiary	No. 367 Private Placement of Capital Securities in Won	50	November 28, 2016		6.952	%^(1)^	November 28, 2046<br><br>(may be<br>extended)	Working capital
									(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---:
Issuer	Relationship	Type	Issue Amount	Issue Date	Interest Rate			Maturity Date	Use of Proceeds
KB Capital Co., Ltd.	Subsidiary	No. 378 Private Placement of Capital Securities in Won	50	April 27, 2017		7.664	%^(1)^	April 27, 2047<br><br>(may be extended)	Working capital
									(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---:
Issuer	Relationship	Type	Issue Amount	Issue Date	Interest Rate			Maturity Date	Use of Proceeds
KB Capital Co., Ltd.	Subsidiary	No. 460 Private Placement of Capital Securities in Won	100	September 25, 2020		6.822	%^(1)^	September 25, 2050<br><br>(may be<br>extended)	Working capital
									(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---:
Issuer	Relationship	Type	Issue Amount	Issue Date	Interest Rate			Maturity Date	Use of Proceeds
KB Capital Co., Ltd.	Subsidiary	No. 486 Private Placement of Capital Securities in Won	100	February 17, 2022		4.495	%	February 17,<br><br>2052<br><br>(may be extended)	Working capital

7.5.3. Prepayments and Loans to Subsidiaries

													(Unit: in billions of Won)
Name		Relationship		Account		Loan Amount		Current Balance		Credit Offering Date			Interest Rate		Maturity Date
KB Investment Co., Ltd.		Subsidiary		Loans^(1)^		40		40			July 13, 2018		3.166%		July 10, 2026
Note:	(1)		Unsecured credit loans
---	---	---	---
													(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---	---:	---	---
Name		Relationship		Account		Loan Amount		Current Balance		Credit Offering Date			Interest Rate		Maturity Date
KB Investment Co., Ltd.		Subsidiary		Loans^(1)^		70		70			March 8, 2019		3.135%		December 18, 2026
Note:	(1)		Unsecured credit loans
---	---	---	---
													(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---	---:	---	---
Name		Relationship		Account		Loan Amount		Current Balance		Credit Offering Date			Interest Rate		Maturity Date
KB Investment Co., Ltd.		Subsidiary		Loans^(1)^		30		30			March 9, 2020		3.135%		December 18, 2026
Note:	(1)		Unsecured credit loans
---	---	---	---
													(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---	---:	---	---
Name		Relationship		Account		Loan<br>Amount		Current Balance		Credit Offering Date			Interest Rate		Maturity Date
KB Investment Co., Ltd.		Subsidiary		Loans^(1)^		30		30			July 13, 2020		3.166%		July 10, 2026
Note:	(1)		Unsecured credit loans
---	---	---	---
													(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---	---:	---	---
Name		Relationship		Account		Loan Amount		Current Balance		Credit Offering Date			Interest Rate		Maturity Date
KB Investment Co., Ltd.		Subsidiary		Loans^(1)^		70		70			December 20, 2021		3.109%		December 18, 2026
Note:	(1)		Unsecured credit loans
---	---	---	---
													(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---	---:	---	---
Name		Relationship		Account		Loan Amount		Current Balance		Credit Offering Date			Interest Rate		Maturity Date
KB Investment Co., Ltd.		Subsidiary		Loans^(1)^		60		60			July 13, 2022		3.166%		July 10, 2026
Note:	(1)		Unsecured credit loans
---	---	---	---
													(Unit: in billions of Won)
---	---	---	---	---	---	---	---	---	---	---	---	---	---:	---	---
Name		Relationship		Account		Loan Amount		Current Balance		Credit Offering<br>Date			Interest Rate		Maturity Date
KB Investment Co., Ltd.		Subsidiary		Loans^(1)^		50		50			July 13, 2023		3.166%		July 10, 2026
Note:	(1)		Unsecured credit loans
---	---	---	---

8.	Internal Controls
8.1.	Management’s Assessment of the Effectiveness of the Internal Accounting Management System
:---	:---
Period		Date of Report		Assessment		Material<br>Deficiencies		Corrective Action<br>Plans
---	---	:---:	---	:---:	---	:---:	---	:---:
January 1 to<br><br>December 31,<br><br>2026		—		—		—		—
January 1 to<br><br>December 31,<br><br>2025		March 5, 2026 (Audit Committee)<br><br>March 5, 2026 (Board of Directors)<br><br>March 26, 2026 (General Meeting of Shareholders)		In terms of overall materiality, the internal accounting management system is under effective design and operation.		—		—
January 1 to<br><br>December 31,<br><br>2024		March 4, 2025 (Audit Committee)<br><br>March 4, 2025 (Board of Directors)<br><br>March 26, 2025 (General Meeting of Shareholders)		In terms of overall materiality, the internal accounting management system is under effective design and operation.		—		—
8.2.	Audit Committee’s Assessment of the Effectiveness of the Internal Accounting Management System
:---	:---
Period		Date of Report		Assessment		Material<br>Deficiencies		Corrective Action<br>Plans
---	---	:---:	---	:---:	---	:---:	---	:---:
January 1 to<br><br>December 31,<br><br>2026		—		—		—		—
January 1 to<br><br>December 31,<br><br>2025		March 5, 2026		In terms of overall materiality, the internal accounting management system is under effective design and operation.		—		—
January 1 to<br><br>December 31,<br><br>2024		March 4, 2025		In terms of overall materiality, the internal accounting management system is under effective design and operation.		—		—
8.3.	External Auditor’s Audit Opinion (Review Report) on the Effectiveness of the Internal Accounting<br>Management System
:---	:---
Period		Auditor		Audit or Review		Opinion Type		Issues		Company’s<br>Response Actions
---	---	:---:	---	:---:	---	:---:	---	:---:	---	:---:
January 1 to<br><br>December 31,<br><br>2026		Samil PricewaterhouseCoopers		—		—		—		—
January 1 to<br><br>December 31,<br><br>2025		Samil PricewaterhouseCoopers		Audit		Unqualified		—		—
January 1 to<br><br>December 31,<br><br>2024		Samil PricewaterhouseCoopers		Audit		Unqualified		—		—

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

	KB Financial Group Inc.
	(Registrant)
Date: August 14, 2026	By:	/s/ Sang Rok Na
	(Signature)
	Name:	Sang Rok Na
	Title:	Senior Managing Director and Chief Financial Officer

EX-99.1

Exhibit 99.1

KB Financial Group Inc. and Subsidiaries

Consolidated Interim Financial Statements

June 30, 2026 and 2025

(Unaudited)

KB Financial Group Inc. and Subsidiaries

		Page(s)
Report on Review of Condensed Consolidated Interim Financial Statements			1-2
Consolidated Interim Financial Statements
Consolidated Interim Statements of Financial Position			3
Consolidated Interim Statements of Comprehensive Income			4-5
Consolidated Interim Statements of Changes in Equity			6
Consolidated Interim Statements of Cash Flows			7-8
Notes to the Consolidated Interim Financial Statements			9-175

LOGO

Report on Review of Condensed Consolidated Interim Financial Statements

(English Translation of a Report Originally Issued in Korean)

To the Shareholders and the Board of Directors of

KB Financial Group Inc.

Reviewed Financial Statements

We have reviewed the accompanying condensed consolidated interim financial statements of KB Financial Group Inc. and its subsidiaries (collectively referred to as the “Group”). These condensed consolidated interim financial statements consist of the consolidated interim statement of financial position of the Group as at June 30, 2026, and the related consolidated interim statements of comprehensive income for the three-month and six-month periods ended June 30, 2026 and 2025, and consolidated interim statements of changes in equity and cash flows for the six-month periods ended June 30, 2026 and 2025, and material accounting policy information and other selected explanatory notes, expressed in Korean won.

Management’s Responsibility for the Financial Statements

Management is responsible for the preparation and presentation of these condensed consolidated interim financial statements in accordance with International Financial Reporting Standards as adopted by the Republic of Korea (Korean IFRS) 1034 Interim Financial Reporting, and for such internal control as management determines is necessary to enable the preparation of condensed consolidated interim financial statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

Our responsibility is to express a conclusion on these condensed consolidated interim financial statements based on our review.

We conducted our review in accordance with quarterly or semi-annual review standards established by the Securities and Futures Commission of the Republic of Korea. A review of interim financial information consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with Korean Standards on Auditing and consequently does not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion.

Conclusion

Based on our review, nothing has come to our attention that causes us to believe the accompanying condensed consolidated interim financial statements are not prepared, in all material respects, in accordance with Korean IFRS 1034 Interim Financial Reporting.

Other Matters

We have audited the consolidated statement of financial position of the Group as at December 31, 2025, and the related consolidated statements of comprehensive income, changes in equity and cash flows for the year then ended, not presented herein, in accordance with Korean Standards on Auditing. We expressed an unqualified opinion on those financial statements in our audit report dated March 6, 2026. The consolidated statement of financial position as at December 31, 2025, presented herein for comparative purposes, is consistent, in all material respects, with the above audited statement of financial position as at December 31, 2025.

Review standards and their application in practice vary among countries. The procedures and practices used in the Republic of Korea to review such financial statements may differ from those generally accepted and applied in other countries.

/s/ Samil PricewaterhouseCoopers

Seoul, Korea

August 14, 2026

This report is effective as of August<br>14, 2026, the review report date. Certain subsequent events or circumstances, which may occur between the review report date and the time of reading this report, could have a material impact on the accompanying condensed consolidated interim financial statements<br>and notes thereto. Accordingly, the readers of the review report should understand that there is a possibility that the above review report may have to be revised to reflect the impact of such subsequent events or circumstances, if any.

KB Financial Group Inc. and Subsidiaries

Consolidated Interim Statements of Financial Position

June 30, 2026 and December 31, 2025

(in millions of Korean won)

		June 30, 2026<br>(Unaudited)			December 31,<br>2025
Assets
Cash and due from financial institutions	4,6,7,30	~~W~~	44,618,344		~~W~~	34,776,877
Financial assets at fair value through profit or loss	4,6,11		100,468,179			89,862,530
Derivative financial assets	4,6,8		12,967,488			8,178,056
Loans measured at amortized cost	4,6,9,10		505,398,999			491,978,044
Financial investments	4,6,11		137,198,864			134,986,677
Investments in associates and joint ventures			1,040,992			1,137,184
Insurance contract assets	29		378,988			271,152
Reinsurance contract assets	29		1,369,626			1,515,854
Property and equipment			5,078,131			5,133,801
Investment property			3,421,805			3,224,180
Intangible assets			1,595,329			1,609,427
Net defined benefit assets	18		490,428			353,366
Current income tax assets			447,277			388,589
Deferred income tax assets	12,25		183,862			193,034
Assets held for sale			166,753			174,919
Assets included in disposal groups classified as held for sale			115,039			94,215
Other assets	4,6		51,949,101			24,045,128

Total assets		~~W~~	866,889,205		~~W~~	797,923,033

Liabilities
Financial liabilities at fair value through profit or loss	4,6,13	~~W~~	11,526,649		~~W~~	11,320,590
Derivative financial liabilities	4,6,8		13,391,153			8,234,289
Deposits	4,6,14		486,343,528			462,397,026
Borrowings	4,6,15		77,907,732			70,728,396
Debentures	4,6,16		80,462,793			80,049,270
Insurance contract liabilities	29		53,359,408			56,790,030
Reinsurance contract liabilities	29		37,229			59,648
Provisions	17		1,375,214			1,264,390
Net defined benefit liabilities	18		89,930			100,088
Current income tax liabilities			416,935			610,484
Deferred income tax liabilities	12,25		2,242,689			1,819,080
Liabilities included in disposal groups classified as held for sale			74,675			68,290
Other liabilities	4,6		76,959,448			43,651,463

Total liabilities			804,187,383			737,093,044

Equity
Share capital			2,090,558			2,090,558
Hybrid securities			4,206,721			4,359,388
Capital surplus			9,127,521			16,633,518
Accumulated other comprehensive income	27		(487,227	)		(467,456	)
Retained earnings			46,129,279			38,333,741
Treasury shares			(176,014	)		(1,901,538	)

Equity attributable to shareholders of the Parent Company	19		60,890,838			59,048,211
Non-controlling interests			1,810,984			1,781,778

Total equity			62,701,822			60,829,989

Total liabilities and equity		~~W~~	866,889,205		~~W~~	797,923,033

The above consolidated interim statements of financial position should be read in conjunction with the accompanying notes.

KB Financial Group Inc. and Subsidiaries

Consolidated Interim Statements of Comprehensive Income

Three-Month and Six-Month Periods Ended June 30, 2026 and 2025

(in millions of Korean won, except per share amounts)

	Notes	2026<br>(Unaudited)						2025<br>(Unaudited)
		Three months			Six months			Three months			Six months
Interest income		~~W~~	7,352,100		~~W~~	14,511,829		~~W~~	7,284,633		~~W~~	14,739,574
Interest income from financial instruments at fair value through other comprehensive income and<br>amortized cost			6,966,183			13,749,624			6,922,324			14,005,120
Interest income from financial instruments at fair value through profit or loss			375,712			740,531			353,152			715,207
Insurance finance interest income			10,205			21,674			9,157			19,247
Interest expense			(4,208,662	)		(8,033,569	)		(4,178,107	)		(8,370,883	)
Interest expense			(3,799,921	)		(7,221,765	)		(3,804,895	)		(7,615,529	)
Insurance finance interest expense			(408,741	)		(811,804	)		(373,212	)		(755,354	)

Net interest income	5,20		3,143,438			6,478,260			3,106,526			6,368,691

Fee and commission income			2,093,819			3,904,194			1,446,966			2,777,199
Fee and commission expense			(491,903	)		(942,949	)		(415,030	)		(811,215	)

Net fee and commission income	5,21		1,601,916			2,961,245			1,031,936			1,965,984

Insurance income			3,267,497			6,399,754			3,036,603			6,144,414
Insurance income			3,156,987			6,166,664			2,900,194			5,735,262
Reinsurance income			110,510			233,090			136,409			409,152
Insurance expense			(2,855,422	)		(5,644,038	)		(2,624,467	)		(5,294,525	)
Insurance service expense			(2,633,697	)		(5,216,673	)		(2,396,702	)		(4,860,901	)
Reinsurance expense			(221,725	)		(427,365	)		(227,765	)		(433,624	)

Net insurance income	5,29		412,075			755,716			412,136			849,889

Net gains on financial instruments at fair value through profit or loss	5,22		2,218,901			2,585,745			1,566,145			2,112,363

Other insurance finance expenses	5,29		(1,642,279	)		(1,996,585	)		(273,721	)		(413,291	)

Net other operating expenses	5,23		(612,271	)		(676,852	)		(1,305,244	)		(1,791,668	)

General and administrative expenses	5,18,24		(1,889,487	)		(3,654,401	)		(1,749,696	)		(3,355,261	)

Operating income before provision for credit losses	5		3,232,293			6,453,128			2,788,082			5,736,707

Provision for credit losses	5,7,9,10,17		(519,745	)		(1,013,014	)		(655,111	)		(1,310,708	)

Net operating income	5		2,712,548			5,440,114			2,132,971			4,425,999

Share of profit of investments in associates and joint ventures	5		15,693			35,917			4,813			10,261
Net other non-operating income (expenses)	5		4,517			(112,133	)		205,357			213,487

Net non-operating income (expenses)			20,210			(76,216	)		210,170			223,748

Profit before tax	5		2,732,758			5,363,898			2,343,141			4,649,747

Income tax expense	5,25		(722,250	)		(1,436,921	)		(595,561	)		(1,203,045	)

Profit for the period	5		2,010,508			3,926,977			1,747,580			3,446,702

(Continued)

KB Financial Group Inc. and Subsidiaries

Consolidated Interim Statements of Comprehensive Income

Three-Month and Six-Month Periods Ended June 30, 2026 and 2025 (cont’d)

(in millions of Korean won, except per share amounts)

		2026<br>(Unaudited)						2025<br>(Unaudited)
		Three months			Six months			Three months			Six months
Items that will not be reclassified to profit or loss:
Remeasurements of net defined benefit liabilities		~~W~~	72,561			63,028		~~W~~	6,637			(790	)
Share of other comprehensive income (loss) of associates and joint ventures			(2	)		25			—			—
Gains on equity securities at fair value through other comprehensive income (loss)			(112,481	)		(79,084	)		168,860			213,283
Fair value changes of financial liabilities designated at fair value through profit or loss due to<br>own credit risk			2,972			1,693			(4,862	)		(10,707	)

			(36,950	)		(14,338	)		170,635			201,786

Items that may be reclassified subsequently to profit or loss:
Currency translation differences			65,165			343,344			(337,087	)		(351,553	)
Gains (losses) on debt securities at fair value through other comprehensive income			(1,660,346	)		(3,994,187	)		(568,282	)		342,749
Share of other comprehensive income (loss) of associates and joint ventures			(686	)		578			(2,452	)		(2,328	)
Gains (losses) on cash flow hedging instruments	8		(254,119	)		(498,474	)		(61,776	)		(30,275	)
Gains (losses) on hedging instruments of net investments in foreign operations	8		(30,644	)		(113,078	)		123,470			126,994
Insurance finance income (expense)	29		1,905,697			4,245,205			798,927			(1,071,678	)

			25,067			(16,612	)		(47,200	)		(986,091	)

Other comprehensive income (loss) for the period, net of tax			(11,883	)		(30,950	)		123,435			(784,305	)

Total comprehensive income (loss) for the period		~~W~~	1,998,625		~~W~~	3,896,027		~~W~~	1,871,015		~~W~~	2,662,397

Profit (loss) attributable to:	5
Shareholders of the Parent Company		~~W~~	1,992,189		~~W~~	3,884,590		~~W~~	1,738,422		~~W~~	3,435,693
Non-controlling interests			18,319			42,387			9,158			11,009

		~~W~~	2,010,508		~~W~~	3,926,977		~~W~~	1,747,580		~~W~~	3,446,702

Total comprehensive income (loss) for the period attributable to:
Shareholders of the Parent Company		~~W~~	2,003,123		~~W~~	3,867,563		~~W~~	1,859,757		~~W~~	2,657,343
Non-controlling interests			(4,498	)		28,464			11,258			5,054

		~~W~~	1,998,625		~~W~~	3,896,027		~~W~~	1,871,015		~~W~~	2,662,397

Earnings per share (in Korean won)	28
Basic earnings per share		~~W~~	5,549		~~W~~	10,670		~~W~~	4,603		~~W~~	9,031
Diluted earnings per share			5,508			10,585			4,565			8,950

The above consolidated interim statements of comprehensive income should be read in conjunction with the accompanying notes.

KB Financial Group Inc. and Subsidiaries

Consolidated Interim Statements of Changes in Equity

Six-Month Periods Ended June 30, 2026 and 2025

(in millions of Korean won)

	Equity attributable to shareholders of the Parent Company
	Share<br>capital		Hybrid<br>securities			Capital<br>surplus			Accumulated<br>other<br>comprehensive<br>income			Retained<br>earnings			Treasury<br>shares			Non-controlling<br>interests			Total equity
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 period
Profit for the period		—		—			—			—			3,435,693			—			11,009			3,446,702
Remeasurements of net defined benefit liabilities		—		—			—			(150	)		—			—			(640	)		(790	)
Currency translation differences		—		—			—			(346,045	)		—			—			(5,508	)		(351,553	)
Gains (losses) on financial instruments at fair value through other<br>comprehensive income and<br>transfer to retained earnings		—		—			—			560,316			(4,541	)		—			257			556,032
Share of other comprehensive income (loss) of associates and joint ventures		—		—			—			(2,328	)		—			—			—			(2,328	)
Gains (losses) on cash flow hedging instruments		—		—			—			(30,211	)		—			—			(64	)		(30,275	)
Gains (losses) on hedging instruments of net investments in foreign operations		—		—			—			126,994			—			—			—			126,994
Insurance finance income (expenses)		—		—			—			(1,071,678	)		—			—			—			(1,071,678	)
Fair value changes of financial liabilities designated at fair value<br>through profit or loss due<br>to own credit risk		—		—			—			(10,707	)		—			—			—			(10,707	)

Total comprehensive income for the period		—		—			—			(773,809	)		3,431,152			—			5,054			2,662,397

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		—		—			—			—			(334,339	)		—			—			(334,339	)
Issuance of hybrid securities		—		404,014			—			—			—			—			—			404,014
Dividends on hybrid securities		—		—			—			—			(103,317	)		—			(65,236	)		(168,553	)
Redemption of hybrid securities		—		(324,109	)		—			—			—			—			—			(324,109	)
Acquisition of treasury shares		—		—			—			—			—			(820,000	)		—			(820,000	)
Retirement of treasury shares		—		—			—			—			(814,522	)		814,522			—			—
Ownership changes in subsidiaries		—		—			—			—			—			—			688			688
Others		—		—			(825	)		—			—			—			17,780			16,955

Total transactions with shareholders		—		79,905			(825	)		—			(1,550,463	)		(5,478	)		(46,768	)		(1,523,629	)

Balance as of June 30, 2025 (Unaudited)	~~W~~	2,090,558	~~W~~	5,162,483		~~W~~	16,645,909		~~W~~	(276,887	)	~~W~~	36,688,909		~~W~~	(1,241,538	)	~~W~~	1,884,515		~~W~~	60,953,949

Balance as of January 1, 2026	~~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

Comprehensive income for the period
Profit for the period		—		—			—			—			3,884,590			—			42,387			3,926,977
Remeasurements of net defined benefit liabilities		—		—			—			63,080			—			—			(52	)		63,028
Currency translation differences		—		—			—			343,103			—			—			241			343,344
Gains (losses) on financial instruments at fair value through other<br>comprehensive income and<br>transfer to retained earnings		—		—			—			(4,075,697	)		2,744			—			(318	)		(4,073,271	)
Share of other comprehensive income (loss) of associates and joint ventures		—		—			—			603			—			—			—			603
Gains (losses) on cash flow hedging instruments		—		—			—			(484,680	)		—			—			(13,794	)		(498,474	)
Gains (losses) on hedging instruments of net investments in foreign operations		—		—			—			(113,078	)		—			—			—			(113,078	)
Insurance finance income (expenses)		—		—			—			4,245,205			—			—			—			4,245,205
Fair value changes of financial liabilities designated at fair value<br>through profit or loss due<br>to own credit risk		—		—			—			1,693			—			—			—			1,693

Total comprehensive income for the period		—		—			—			(19,771	)		3,887,334			—			28,464			3,896,027

Transactions with shareholders
Annual dividends paid to shareholders of the Parent Company		—		—			—			—			(573,768	)		—			—			(573,768	)
Quarterly dividends paid to shareholders of the Parent Company		—		—			—			—			(405,088	)		—			—			(405,088	)
Issuance of hybrid securities		—		431,967			—			—			—			—			—			431,967
Dividends on hybrid securities		—		—			—			—			(86,813	)		—			(38,754	)		(125,567	)
Redemption of hybrid securities		—		(584,634	)		—			—			—			—			—			(584,634	)
Acquisition of treasury shares		—		—			—			—			—			(804,294	)		—			(804,294	)
Retirement of treasury shares		—		—			—			—			(2,529,818	)		2,529,818			—			—
Ownership changes in subsidiaries		—		—			—			—			—			—			13,996			13,996
Transfer to retained earnings		—		—			(7,500,000	)		—			7,500,000			—			—			—
Others		—		—			(5,997	)		—			3,691			—			25,500			23,194

Total transactions with shareholders		—		(152,667	)		(7,505,997	)		—			3,908,204			1,725,524			742			(2,024,194	)

Balance as of June 30, 2026 (Unaudited)	~~W~~	2,090,558	~~W~~	4,206,721		~~W~~	9,127,521		~~W~~	(487,227	)	~~W~~	46,129,279		~~W~~	(176,014	)	~~W~~	1,810,984		~~W~~	62,701,822

The above consolidated interim statements of changes in equity should be read in conjunction with the accompanying notes.

KB Financial Group Inc. and Subsidiaries

Consolidated Interim Statements of Cash Flows

Six-Month Periods Ended June 30, 2026 and 2025

(in millions of Korean won)

	2026<br>(Unaudited)			2025<br>(Unaudited)
Cash flows from operating activities
Profit for the period	~~W~~	3,926,977		~~W~~	3,446,702

Adjustment for non-cash items
Net gains on financial assets at fair value through profit or loss		(4,915,829	)		(1,612,942	)
Net gains (losses) on derivative financial instruments for<br>hedging purposes		248,155			(92,938	)
Provision for credit losses		1,013,014			1,310,708
Net gains on financial investments		(27,929	)		(124,470	)
Share of profit of associates and joint ventures		(35,917	)		(10,261	)
Depreciation and amortization expense		432,483			447,130
Other net gains (losses) on property and equipment/intangible assets		4,033			(257,488	)
Share-based payments		88,142			81,703
Post-employment benefits		91,583			94,801
Net interest expense		308,582			139,204
Gains (losses) on foreign currency translation		(226,186	)		918,459
Insurance finance income		(4,184,216	)		(5,508,058	)
Reinsurance finance expense		568,640			586,672
Other expenses		438,877			507,699

		(6,196,568	)		(3,519,781	)

Changes in operating assets and liabilities
Financial assets at fair value through profit or loss		(6,471,179	)		(5,180,820	)
Derivative financial instruments		(47,949	)		55,314
Loans measured at fair value through other comprehensive income		(174,566	)		(160,472	)
Loans measured at amortized cost		(11,784,713	)		(8,909,044	)
Current income tax assets		(58,688	)		(4,276	)
Deferred income tax assets		12,785			105,785
Other assets		(30,763,522	)		(11,828,329	)
Financial liabilities at fair value through profit or loss		(386,347	)		(784,957	)
Deposits		20,445,745			7,858,236
Current income tax liabilities		(193,549	)		(53,340	)
Deferred income tax liabilities		439,224			246,169
Other liabilities		30,491,758			15,202,066
Insurance contract assets		(107,836	)		(71,081	)
Reinsurance contract assets		(414,805	)		(624,348	)
Insurance contract liabilities		6,596,088			7,024,940
Reinsurance contract liabilities		(17,736	)		17,569
Investment contract liabilities		701,130			1,002,485

		8,265,840			3,895,897

Cash flows from operating activities		5,996,249			3,822,818

(Continued)

KB Financial Group Inc. and Subsidiaries

Consolidated Interim Statements of Cash Flows

Six-Month Periods Ended June 30, 2026 and 2025 (cont’d)

(in millions of Korean won)

		2026<br>(Unaudited)			2025<br>(Unaudited)
Cash flows used in investing activities
Net cash flows from derivative financial instruments for hedging purposes			(106,227	)		(82,266	)
Disposal of financial assets at fair value through profit or loss			12,442,902			12,621,999
Acquisition of financial assets at fair value through profit or loss			(10,829,338	)		(15,587,303	)
Disposal of financial investments			26,562,014			30,593,942
Acquisition of financial investments			(31,986,774	)		(29,137,256	)
Disposal of investments in associates and joint ventures			182,447			176,800
Acquisition of investments in associates and joint ventures			(49,218	)		(168,127	)
Disposal of property and equipment			46,495			53,733
Acquisition of property and equipment			(101,186	)		(197,437	)
Disposal of investment property			—			763,052
Acquisition of investment property			(189,137	)		(183,504	)
Disposal of intangible assets			3,170			3,137
Acquisition of intangible assets			(105,608	)		(69,779	)
Net cash flows from changes in ownership of subsidiaries			(190,108	)		1,095,858
Others			(29,123	)		(66,104	)

Cash flows used in investing activities			(4,349,691	)		(183,255	)

Cash flows from financing activities
Net cash flows from derivative financial instruments for hedging purposes			(247,606	)		(166,979	)
Net increase in borrowings			6,319,999			3,343,640
Increase in debentures			34,523,449			29,241,802
Decrease in debentures			(35,300,138	)		(30,641,374	)
Increase in other payables to trust accounts			1,114,606			1,998,371
Dividends paid			(978,856	)		(632,623	)
Issuance of hybrid securities			431,967			404,014
Redemption of hybrid securities			(586,000	)		(325,000	)
Dividends paid on hybrid securities			(86,813	)		(103,317	)
Acquisition of treasury shares			(804,294	)		(820,000	)
Redemption of principal elements of lease payments			(244,069	)		(311,363	)
Increase (decrease) in non-controlling interests			21,499			61,180
Others			159,620			(189,405	)

Cash flows from financing activities			4,323,364			1,858,946

Effect of exchange rate changes on cash and cash equivalents			513,332			(238,215	)

Net increase in cash and cash equivalents			6,483,254			5,260,294
Cash and cash equivalents at the beginning of the period	30		29,020,564			24,608,867

Cash and cash equivalents at the end of the period	30	~~W~~	35,503,818		~~W~~	29,869,161

The above consolidated interim statements of cash flows should be read in conjunction with the accompanying notes.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

1. The Parent Company

KB Financial Group Inc. (the “Parent Company”) was incorporated on September 29, 2008, under the Financial Holding Companies Act of Korea. KB Financial Group Inc. and its subsidiaries (the “Group”) derive substantially all of their revenue and income from providing a broad range of banking and related financial services to consumers and corporations. The Parent Company’s main business purpose is to control subsidiaries that engage in the financial business or subsidiaries closely related to the financial business through the stock ownership. The Parent Company’s headquarter is located at 26, Gukjegeumyung-ro 8-gil, Yeongdeungpo-gu, Seoul. In 2011, Kookmin Bank spun off its credit card business segment and established a new separate credit card company, KB Kookmin Card Co., Ltd. and KB Investment & Securities Co., Ltd. merged with KB Futures Co., Ltd. The Group established KB Savings Bank Co., Ltd. in January 2012, acquired Yehansoul Savings Bank Co., Ltd. in September 2013, and KB Savings Bank Co., Ltd. merged with Yehansoul Savings Bank Co., Ltd. in January 2014. In March 2014, the Group acquired Woori Financial Co., Ltd. and changed the name to KB Capital Co., Ltd. Meanwhile, the Group included LIG Insurance Co., Ltd. as an associate and changed the name to KB Insurance Co., Ltd. in June 2015, and KB Insurance Co., Ltd. became one of the subsidiaries through a tender offer in May 2017. Also, the Group included Hyundai Securities Co., Ltd. as an associate in June 2016 and included as a subsidiary in October 2016 by comprehensive exchange of shares. Hyundai Securities Co., Ltd. merged with KB Investment & Securities Co., Ltd. in December 2016 and changed its name to KB Securities Co., Ltd. in January 2017. In August 2020, the Group acquired Prudential Life Insurance Company of Korea Ltd. which was classified as a subsidiary and the name was changed to KB Life Insurance Co., Ltd. in December 2022. Then in January 2023, it merged with another existing KB Life Insurance Co., Ltd. The Parent Company sold 100% shares of KB Credit Information Co., Ltd. to KB Kookmin Card Co., Ltd. on June 30, 2023.

The Parent Company’s share capital as of June 30, 2026, is ~~W~~ 2,090,558 million. The Parent Company has been listed on the Korea Exchange (“KRX”) since October 10, 2008, and on the New York Stock Exchange (“NYSE”) for its American Depositary Shares (“ADS”) since September 29, 2008. Number of shares authorized in its Articles of Incorporation is 1,000 million.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

2. Basis of Preparation

2.1 Application of Korean IFRS

The Group maintains its accounting records in Korean won and prepares statutory consolidated financial statements in the Korean language in accordance with International Financial Reporting Standards as adopted by the Republic of Korea (“Korean IFRS”). The accompanying consolidated financial statements have been translated into English from the Korean language consolidated financial statements.

The consolidated financial statements of the Group have been prepared in accordance with Korean IFRS. Korean IFRS are the standards and related interpretations issued by the International Accounting Standards Board (“IASB”) that have been adopted by the Republic of Korea.

The preparation of the consolidated financial statements requires the use of certain critical accounting estimates. Management also needs to exercise judgment in applying the Group’s accounting policies. The areas that require a more complex and higher level of judgment or areas that require significant assumptions and estimations are disclosed in Note 2.4.

The Group’s condensed consolidated interim financial statements for the six-month period ended June 30, 2026, have been prepared in accordance with Korean IFRS No.1034 Interim Financial Reporting and contain less information than is required in annual consolidated financial statements. Selected explanatory notes include descriptions of transactions or events that are significant in understanding change in financial position and financial performance of the Group since the end of the previous annual reporting period. These condensed consolidated interim financial statements have been prepared in accordance with Korean IFRS which is effective or early adopted as of June 30, 2026.

2.1.1 The Group has applied the following standards and amendments for the first time for their annual reporting period commencing January 1, 2026.

- Amendments to Korean IFRS No.1109 Financial Instruments, Korean IFRS No.1107 Financial Instruments: Disclosures

Korean IFRS No.1109 Financial Instruments and Korean IFRS No.1107 Financial Instruments: Disclosures have been amended to respond to recent questions arising in practice, and to include new requirements.

These amendments do not have a significant impact on the financial statements. These amendments:

-	clarify the date of recognition and derecognition of some financial assets and liabilities, with a new exception<br>for some financial liabilities settled through an electronic cash transfer system;
-	clarify and add further guidance for assessing whether a financial asset meets the solely payments of principal<br>and interest (SPPI) criterion;
:---	:---
-	add new disclosures of impact on the entity and the extent to which the entity is exposed for each type of<br>financial instruments if the timing or amount of contractual cash flow changes due to amendment of contract term; and
:---	:---
-	update the disclosures for equity instruments designated at fair value through other comprehensive income (FVOCI)
:---	:---

- Annual Improvements to Korean IFRS - Volume 11

Annual Improvements to Korean IFRS - Volume 11 should be applied for annual periods beginning on or after January 1, 2026. These amendments do not have a significant impact on the financial statements.

•	Korean IFRS No.1101 First-time Adoption of International Financial Reporting Standards: Hedge<br>accounting by a first-time adopter

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

•	Korean IFRS No.1107 Financial Instruments: Disclosures: Gain or loss on<br>derecognition and implementation guidance
•	Korean IFRS No.1109 Financial Instruments: Derecognition of lease liabilities and definition of<br>transaction price
:---	:---
•	Korean IFRS No.1110 Consolidated Financial Statements: Determination of a ‘de facto<br>agent’
:---	:---
•	Korean IFRS No.1007 Statement of Cash Flows: Cost method
:---	:---

2.1.2 The following are the accounting standards that have been issued but were not mandatory for annual reporting periods ending on December 31, 2026.

- Korean IFRS No.1118 Presentation and Disclosures in Financial Statements

Korean IFRS No.1118 “Presentation and Disclosure in Financial Statements” replaces Korean IFRS No.1001 “Presentation of Financial Statements.” Korean IFRS No.1118 is expected to enhance the comparability of financial performance among similar entities by providing users with more useful information for analyzing and comparing an entity’s performance based on the income statement.

When the Group prepares its financial statements by applying Korean IFRS No.1118, the following material accounting policies are expected to result in significant differences compared to the current financial statements. These items do not include all potential differences and may be subject to change based on further analysis.

-	Changes in the presentation of the income statement

Korean IFRS No.1118 requires all income and expenses included in the statement of profit or loss to be classified into one of five categories: operating, investing, financing, income taxes, and discontinued operations. The Standard classifies all income and expenses not attributable to the investing, financing, income tax, or discontinued operations categories as operating and defines operating profit or loss as a residual measure. The Group is required to assess its main business activities in determining the classification of income and expenses. Where the Group’s main business activities include investing in a particular type of asset or providing financing to customers, certain income and expenses that would otherwise be classified as investing or financing are classified as operating. Accordingly, operating profit or loss determined under Korean IFRS No.1118 may differ significantly from that determined under Korean IFRS No.1001.The Standard requires the disclosure, in the notes, of operating profit or loss determined in accordance with Korean IFRS No.1001, as well as a reconciliation between operating profit or loss under Korean IFRS No.1118 and that determined in accordance with Korean IFRS No.1001.

In addition, Korean IFRS No.1118 requires the presentation in the statement of profit or loss of “operating profit or loss,” comprising all income and expenses classified in the operating category; “profit or loss before financing and income taxes,” comprising operating profit or loss and all income and expenses classified in the investing category; and “profit or loss.” However, where the Group’s main business activities include providing financing to customers, the presentation of “profit or loss before financing and income taxes” may not be required, depending on the accounting policy applied.

-	Introduction of disclosure of management-defined performance measures

Korean IFRS No.1118 introduces new disclosure requirements for management-defined performance measures (MPMs). MPMs are defined as subtotals of income and expenses that are not specified in paragraph 118 of the Standard and are not otherwise required to be presented or disclosed under Korean IFRS. These measures are used by an entity in public communications outside the financial statements and are intended to communicate management’s view of the entity’s financial performance to users of the financial statements.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

When the Group reports MPMs, it is required to disclose the reasons why such measures provide useful information, how those measures are calculated, and a reconciliation between those measures and the most directly comparable subtotal specified in Korean IFRS No.1118. In addition, the Group is required to disclose the income tax effects and the effects on non-controlling interests for each reconciling item.

-	Changes in classification of cash flows

Consequential amendments have been made to Korean IFRS No.1007 “Statement of Cash Flows” following the issuance of Korean IFRS No.1118. Under these amendments, the starting point for determining cash flows from operating activities using the indirect method has been changed from profit or loss to operating profit or loss, and the accounting policy choice for the classification of interest and dividends has been eliminated.

Korean IFRS No.1118 is effective for annual reporting periods beginning on or after January 1, 2027, with early adoption permitted. In accordance with Korean IFRS No.1008 “Accounting Policies, Changes in Accounting Estimates and Errors,” the Standard is required to be applied retrospectively, and accordingly, the comparative information for the year ending December 31, 2026 will be restated. The amendments to Korean IFRS No.1007 and No.1033, as well as the revised Korean IFRS No.1008 and No.1107 resulting from the issuance of Korean IFRS No.1118, are effective when Korean IFRS No.1118 is applied.

As the mandatory effective date of Korean IFRS No.1118 has not yet been reached, the Group has not applied the Standard and plans to present its first interim financial statements for the period ending March 31, 2027 in accordance with Korean IFRS No.1118. Based on the information available as of March 31, 2026, the Group is in the process of assessing the financial impact of adopting Korean IFRS No.1118, establishing accounting policies, and implementing changes to its accounting systems, and is performing a preliminary overall assessment of the impact of applying the Standard.

2.2 Measurement Basis

The consolidated financial statements have been prepared based on the historical cost accounting model unless otherwise specified.

2.3 Functional and Presentation Currency

Items included in the financial statements of each entity of the Group are measured using the currency of the primary economic environment in which the entity operates (“functional currency“). The consolidated financial statements are presented in Korean won, which is the Parent Company‘s functional and presentation currency.

2.4 Critical Accounting Estimates

The Group applies accounting policies and uses judgements, accounting estimates and assumptions that may have a significant impact on the assets (liabilities) and incomes (expenses). Management’s estimates of outcomes may differ from actual outcomes if management’s estimates and assumptions based on management’s best judgment at the reporting date are different from the actual environment.

Estimates and underlying assumptions are continually evaluated, and changes in accounting estimates are recognized in the period in which the estimates are changed and in any future periods affected.

Uncertainties in estimates and assumptions with significant risks used in the preparation of these condensed consolidated interim financial statements are the same as those applied to the consolidated financial statements for the year ended December 31, 2025.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

3. Material Accounting Policies

The material accounting policies and calculation methods applied in the preparation of these consolidated interim financial statements are the same as those applied to the consolidated financial statements for the year ended December 31, 2025, except for the impact of changes due to adopting new and amended standards and interpretations described in Note 2.1 and below paragraph.

The Group is subject to Pillar 2 income taxes, and has applied a temporary exemption provision regarding the recognition and disclosure of deferred taxes related to the Pillar 2 rules.

Income tax expense for the interim period is measured applying the expected average annual income tax rate applicable on expected total annual income.

4. Financial Risk Management

4.1 Summary

4.1.1 Overview of financial risk management policy

The financial risks that the Group is exposed to are credit risk, market risk, liquidity risk, operational risk, and others.

This note regarding financial risk management provides information about the risks that the Group is exposed to and about its objectives, policies, risk assessment and management procedures, and capital management. Additional quantitative information is disclosed throughout the consolidated financial statements.

The Group’s risk management system focuses on efficiently supporting long-term strategy and management decisions of the Group by increasing risk transparency, preventing risk transfer between subsidiaries and preemptive response to rapidly changing financial environments. Credit risk, market risk, operational risk, interest rate risk, insurance risk, liquidity risk, credit concentration risk, strategy risk, reputation risk, and foreign exchange settlement risk are recognized as the Group’s significant risks and measured and managed according to regulatory capital and internal capital standards.

4.1.2 Risk management organization

4.1.2.1 Risk Management Committee

The Risk Management Committee, as the ultimate decision-making body, establishes risk management strategies in accordance with the strategic direction determined by the board of directors, determining the affordable level of risk appetite, reviewing the level of risk and the status of risk management activities, approving the application of risk management systems, methodologies, and major improvements, and establishing and approving risk management strategies and procedures to timely recognize, measure, monitor, and control risks arising from various transactions by the Group.

4.1.2.2 Risk Management Council

The Risk Management Council discusses matters delegated by the Risk Management Committee and matters referred for review by the Management Committee, as well as detailing matters relating to the implementation of the risk management strategies and procedures established by the Risk Management Committee for each affiliate, monitoring the Group’s risk management status, and establishing and implementing necessary measures.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.1.2.3 Risk Management Department

The Risk Management Department performs the Group’s risk management detailed strategies, procedures, and business processes, and is responsible for calculating the Group’s risk-weighted assets, monitoring and managing internal capital limits.

4.2 Credit Risk

4.2.1 Overview of credit risk

Credit risk is the risk of loss from the portfolio of assets held due to the counterparty’s default, breach of contract, and deterioration of credit quality. For risk management reporting purposes, the Group considers all factors of credit risk exposure, such as default risk of individual borrowers, country risk, and risk of specific sectors in an integrated way.

4.2.2 Credit risk management

The Group measures the expected loss and internal capital for the assets subject to credit risk management, including on-balance and off-balance assets, and uses them as management indicators. The Group allocates and manages credit risk internal capital limits.

In addition, to prevent excessive concentration of exposures by borrower and industry, the total exposure limit at the Group level is introduced, applied, and managed to control the credit concentration risk.

Kookmin Bank Co., Ltd., a subsidiary, manages all lending customers (both individuals and corporate entities) by assigning appropriate credit ratings through its credit rating system. For individual customers, credit ratings are determined using personal information, income and job information, asset information, and bank transaction information. For corporate customers, financial and non-financial information is analyzed and used to assess the company’s current and future enterprise value and debt repayment capacity, and credit ratings are assigned based on a comprehensive judgment of the extent to which the company is able to fulfill its obligations in accordance with the contractual terms.

The credit rating, once assigned, serves as the fundamental instrument in Kookmin Bank’s credit risk management, and is applied in a wide range of credit risk management processes, including credit approval, credit limit management, loan pricing, and assessment of allowances for credit losses. For corporates, Kookmin Bank conducts a regular credit evaluation at least once a year, and the review and supervision departments regularly validate the adequacy of credit ratings to manage credit risks.

KB Kookmin Card Co., Ltd.’s credit scoring system is divided into Application Scoring System (“ASS”) and Behavior Scoring System (“BSS”). For applications that meet the eligibility criteria for card issuance, the card will be issued only if the ASS credit rating is above the standard. KB Kookmin Card Co., Ltd.’s internal information, external information from the credit bureau company and others, and personal information on the application are used to calculate the ASS credit rating. The BSS, which is recalculated on a weekly basis, predicts the delinquency probability of cardholders, and utilizes it to monitor cardholders and portfolio risk.

In order to establish a credit risk management system, the Group manages credit risk by forming a separate risk management organization. In particular, independently of the Sales Group, the Credit Management & Analysis Group of Kookmin Bank, a subsidiary, is in charge of loan policy, loan system, credit rating, credit analysis, follow-up management, and corporate restructuring. The Risk Management Group of Kookmin Bank is responsible for establishing policies on credit risk management, measuring and limiting internal capital of credit risk, setting credit limits, credit review, and verification of credit rating models.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.3 Maximum exposure to credit risk

The Group’s maximum exposures to credit risk without consideration of collateral values in relation to financial instruments other than equity securities as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30, 2026		December 31, 2025
Financial assets
Due from financial institutions measured at amortized cost *		~~W~~	42,052,271	~~W~~	32,567,708
Financial assets at fair value through profit or loss:
Due from financial institutions measured at fair value through profit or loss			464,999		476,717
Securities measured at fair value through profit or loss			84,972,392		80,553,348
Loans measured at fair value through profit or loss			1,504,468		1,231,012
Derivatives			12,967,488		8,178,056
Loans measured at amortized cost *			505,398,999		491,978,044
Financial investments:
Securities measured at fair value through other comprehensive income			90,324,660		93,312,419
Securities measured at amortized cost *			39,512,672		35,067,192
Loans measured at fair value through other comprehensive income			2,169,418		1,995,083
Other financial assets *			46,522,150		19,069,696

			825,889,517		764,429,275

Off-balance sheet items
Acceptances and guarantees contracts			16,897,430		15,503,443
Financial guarantee contracts			7,118,102		7,209,320
Commitments			222,969,804		213,477,156

			246,985,336		236,189,919

		~~W~~	1,072,874,853	~~W~~	1,000,619,194

*	After netting of allowance
:---	:---

4.2.4 Credit risk of loans

The Group maintains allowances for loan losses associated with credit risk of loans to manage its credit risk.

The Group assesses expected credit losses and recognizes loss allowances of financial assets at amortized cost and financial assets at fair value through other comprehensive income. Financial assets at fair value through profit or loss are excluded. Expected credit losses are a probability-weighted estimate of possible credit losses occurring in a certain range by reflecting reasonable and supportable information that is reasonably available at the end of the reporting period without undue cost or effort, including information about past events, current conditions, and forecasts of future economic conditions. The Group measures the expected credit losses of loans classified as financial assets at amortized cost, by deducting allowances for credit losses. The expected credit losses of loans classified as financial assets at fair value through other comprehensive income are presented in other comprehensive income in the consolidated financial statements.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.4.1 Credit risk exposure

Credit qualities of loans as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

	June 30, 2026
	12-month<br>expected credit<br>losses		Lifetime expected credit losses				Not applying<br>expected<br>credit losses		Total
			Not impaired		Impaired
Loans measured at amortized cost *
Corporate
Grade 1	~~W~~	156,710,337	~~W~~	11,292,052	~~W~~	13,188	~~W~~	—	~~W~~	168,015,577
Grade 2		78,994,409		13,756,913		16,920		—		92,768,242
Grade 3		4,026,991		5,472,099		30,079		—		9,529,169
Grade 4		836,366		1,270,484		52,909		—		2,159,759
Grade 5		11,870		915,985		3,024,793		—		3,952,648

		240,579,973		32,707,533		3,137,889		—		276,425,395

Retail
Grade 1		186,269,918		5,138,815		5,401		—		191,414,134
Grade 2		7,569,782		3,991,243		37,214		—		11,598,239
Grade 3		3,758,651		1,333,871		47,517		—		5,140,039
Grade 4		182,960		824,317		65,477		—		1,072,754
Grade 5		50,806		770,531		1,318,873		—		2,140,210

		197,832,117		12,058,777		1,474,482		—		211,365,376

Credit card
Grade 1		12,269,553		241,453		—		—		12,511,006
Grade 2		5,360,658		469,897		—		—		5,830,555
Grade 3		2,004,142		1,731,347		—		—		3,735,489
Grade 4		10,975		384,567		—		—		395,542
Grade 5		1,777		239,336		408,216		—		649,329

		19,647,105		3,066,600		408,216		—		23,121,921

		458,059,195		47,832,910		5,020,587		—		510,912,692

Loans measured at fair value through other comprehensive income
Corporate
Grade1		2,146,168		—		—		—		2,146,168
Grade2		23,250		—		—		—		23,250
Grade3		—		—		—		—		—
Grade4		—		—		—		—		—
Grade5		—		—		—		—		—

		2,169,418		—		—		—		2,169,418

		2,169,418		—		—		—		2,169,418

	~~W~~	460,228,613	~~W~~	47,832,910	~~W~~	5,020,587	~~W~~	—	~~W~~	513,082,110

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.4.1 Credit risk exposure (cont’d)

(In millions of Korean won)

		December 31, 2025
		12-month<br>expected credit<br>losses		Lifetime expected credit losses				Not applying<br>expected<br>credit losses		Total
				Not impaired		Impaired
Loans measured at amortized cost *
Corporate
Grade 1		~~W~~	150,735,198	~~W~~	10,805,239	~~W~~	16,285	~~W~~	—	~~W~~	161,556,722
Grade 2			76,244,644		12,311,562		17,076		—		88,573,282
Grade 3			3,875,195		5,515,745		24,507		—		9,415,447
Grade 4			832,704		1,454,812		46,665		—		2,334,181
Grade 5			8,535		731,636		2,744,600		—		3,484,771

			231,696,276		30,818,994		2,849,133		—		265,364,403

Retail
Grade 1			183,746,803		5,416,479		4,490		—		189,167,772
Grade 2			7,703,085		4,084,210		38,468		—		11,825,763
Grade 3			3,861,528		1,248,406		46,491		—		5,156,425
Grade 4			171,910		629,006		53,419		—		854,335
Grade 5			47,663		624,890		1,207,903		—		1,880,456

			195,530,989		12,002,991		1,350,771		—		208,884,751

Credit card
Grade 1			12,184,584		534,917		—		—		12,719,501
Grade 2			4,807,297		994,230		—		—		5,801,527
Grade 3			1,659,545		1,974,678		—		—		3,634,223
Grade 4			10,458		364,706		—		—		375,164
Grade 5			971		276,685		327,015		—		604,671

			18,662,855		4,145,216		327,015		—		23,135,086

			445,890,120		46,967,201		4,526,919		—		497,384,240

Loans measured at fair value through other comprehensive income
Corporate
Grade1			1,973,472		—		—		—		1,973,472
Grade2			21,611		—		—		—		21,611
Grade3			—		—		—		—		—
Grade4			—		—		—		—		—
Grade5			—		—		—		—		—

			1,995,083		—		—		—		1,995,083

			1,995,083		—		—		—		1,995,083

		~~W~~	447,885,203	~~W~~	46,967,201	~~W~~	4,526,919	~~W~~	—	~~W~~	499,379,323

*	Before netting of allowance
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.4.1 Credit risk exposure (cont’d)

Credit qualities of loans graded according to internal credit ratings as of June 30, 2026 and December 31, 2025, are as follows:

	Range of probability of default (%)	Retail	Corporate
Grade 1	0.0 ~ 1.0	1 ~ 5 grade	AAA ~ BBB+
Grade 2	1.0 ~ 5.0	6 ~ 8 grade	BBB ~ BB
Grade 3	5.0 ~ 15.0	9 ~ 10 grade	BB- ~ B
Grade 4	15.0 ~ 30.0	11 grade	B- ~ CCC
Grade 5	30.0 ~	12 grade or under	CC or under

4.2.4.2 Quantified effect of credit risk mitigation resulting from collateral held and other credit enhancements as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30, 2026
		12-month<br>expected credit<br>losses				Lifetime expected credit losses								Total
						Not impaired				Impaired
Guarantees		~~W~~	119,400,910			~~W~~	17,422,154			~~W~~	353,861			~~W~~	137,176,925
Deposits and savings			3,458,768				187,120				9,346				3,655,234
Property and equipment			17,305,078				1,199,924				239,004				18,744,006
Real estate			227,518,655				22,788,223				2,061,767				252,368,645

		~~W~~	367,683,411			~~W~~	41,597,421			~~W~~	2,663,978			~~W~~	411,944,810

(In millions of Korean won)		December 31, 2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---	---	---	---	---
		12-month<br>expected credit<br>losses				Lifetime expected credit losses								Total
						Not impaired				Impaired
Guarantees		~~W~~	118,325,461			~~W~~	13,368,234			~~W~~	354,137			~~W~~	132,047,832
Deposits and savings			3,263,931				152,943				10,512				3,427,386
Property and equipment			15,781,206				1,105,274				196,548				17,083,028
Real estate			224,337,077				22,748,365				1,956,575				249,042,017

		~~W~~	361,707,675			~~W~~	37,374,816			~~W~~	2,517,772			~~W~~	401,600,263

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.5 Credit risk of securities

Credit qualities of securities exposed to credit risk other than equity securities among financial investments as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

	June 30, 2026
	12-month<br>expected credit<br>losses		Lifetime expected credit losses				Not applying<br>expected credit<br>losses		Total
			Not impaired		Impaired
Securities measured at amortized cost *
Grade 1	~~W~~	36,045,079	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	36,045,079
Grade 2		3,485,128		—		—		—		3,485,128
Grade 3		—		—		—		—		—
Grade 4		—		—		—		—		—
Grade 5		—		—		—		—		—

		39,530,207		—		—		—		39,530,207

Securities measured at fair value through other comprehensive income
Grade 1		84,161,854		—		—		—		84,161,854
Grade 2		6,147,714		—		—		—		6,147,714
Grade 3		15,092		—		—		—		15,092
Grade 4		—		—		—		—		—
Grade 5		—		—		—		—		—

		90,324,660		—		—		—		90,324,660

	~~W~~	129,854,867	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	129,854,867

(In millions of Korean won)

		December 31, 2025
		12-month<br>expected credit<br>losses		Lifetime expected credit losses				Not applying<br>expected credit<br>losses		Total
				Not impaired		Impaired
Securities measured at amortized cost *
Grade 1		~~W~~	31,671,903	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	31,671,903
Grade 2			3,405,411		—		—		—		3,405,411
Grade 3			7,175		—		—		—		7,175
Grade 4			—		—		—		—		—
Grade 5			—		—		—		—		—

			35,084,489		—		—		—		35,084,489

Securities measured at fair value through other comprehensive income
Grade 1			87,153,519		—		—		—		87,153,519
Grade 2			6,158,900		—		—		—		6,158,900
Grade 3			—		—		—		—		—
Grade 4			—		—		—		—		—
Grade 5			—		—		—		—		—

			93,312,419		—		—		—		93,312,419

		~~W~~	128,396,908	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	128,396,908

*	Before netting of allowance
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.5 Credit risk of securities (cont’d)

Credit qualities of securities other than equity securities, according to the credit ratings by external credit rating agencies as of June 30, 2026 and December 31, 2025 are as follows:

Credit<br><br>quality	Domestic				Foreign
	KIS	NICE P&I	KAP	FnPricing Inc.	S&P	Fitch-IBCA	Moody’s
Grade 1	AA0 to AAA	AA0 to AAA	AA0 to AAA	AA0 to AAA	A- to AAA	A- to AAA	A3 to Aaa
Grade 2	A- to AA-	A- to AA-	A- to AA-	A- to AA-	BBB- to BBB+	BBB- to BBB+	Baa3 to Baa1
Grade 3	BBB0 to BBB+	BBB0 to BBB+	BBB0 to BBB+	BBB0 to BBB+	BB to BB+	BB to BB+	Ba2 to Ba1
Grade 4	BB0 to BBB-	BB0 to BBB-	BB0 to BBB-	BB0 to BBB-	B+ to BB-	B+ to BB-	B1 to Ba3
Grade 5	BB- or under	BB- or under	BB- or under	BB- or under	B or under	B or under	B2 or under

Credit qualities of debt securities denominated in Korean won are based on the lowest credit rating by the domestic credit rating agencies above, and those denominated in foreign currencies are based on the lowest credit rating by the foreign credit rating agencies above.

4.2.6 Credit risk of due from financial institutions

Credit qualities of due from financial institutions as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

	June 30, 2026
	12-month<br>expected credit<br>losses		Lifetime expected credit losses				Not applying<br>expected credit<br>losses		Total
			Not impaired		Impaired
Due from financial institutions measured at amortized cost *
Grade 1	~~W~~	40,185,971	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	40,185,971
Grade 2		1,013,578		—		—		—		1,013,578
Grade 3		—		—		—		—		—
Grade 4		—		—		—		—		—
Grade 5		855,423		—		—		—		855,423

	~~W~~	42,054,972	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	42,054,972

(In millions of Korean won)

		December 31, 2025
		12-month<br>expected credit<br>losses		Lifetime expected credit losses				Not applying<br>expected credit<br>losses		Total
				Not impaired		Impaired
Due from financial institutions measured at amortized cost *
Grade 1		~~W~~	30,869,922	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	30,869,922
Grade 2			789,076		—		—		—		789,076
Grade 3			122,333		—		—		—		122,333
Grade 4			—		—		—		—		—
Grade 5			787,727		—		—		—		787,727

		~~W~~	32,569,058	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	32,569,058

*	Before netting of allowance
:---	:---

The classification criteria of the credit qualities of due from financial institutions as of June 30, 2026 and December 31, 2025, are the same as the criteria for securities other than equity securities.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.7 Credit risk concentration analysis

4.2.7.1 Classifications of corporate loans by industry as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

	June 30, 2026
	Loans		%		Allowances			Carrying amount
Financial institutions	~~W~~	36,742,759		13.12	~~W~~	(366,450	)	~~W~~	36,376,309
Manufacturing		64,249,312		22.94		(537,939	)		63,711,373
Service		121,242,464		43.29		(1,205,922	)		120,036,542
Wholesale and retail		33,854,125		12.09		(561,450	)		33,292,675
Construction		6,327,750		2.26		(194,722	)		6,133,028
Public sector		2,504,497		0.89		(14,341	)		2,490,156
Others		15,178,374		5.41		(317,839	)		14,860,535

	~~W~~	280,099,281		100.00	~~W~~	(3,198,663	)	~~W~~	276,900,618

(In millions of Korean won)

	December 31, 2025
	Loans		%		Allowances			Carrying amount
Financial institutions	~~W~~	34,869,986		12.99	~~W~~	(341,248	)	~~W~~	34,528,738
Manufacturing		59,136,193		22.02		(549,071	)		58,587,122
Service		117,185,024		43.63		(1,098,958	)		116,086,066
Wholesale and retail		31,816,635		11.85		(554,985	)		31,261,650
Construction		6,399,017		2.38		(258,485	)		6,140,532
Public sector		2,653,414		0.98		(60,287	)		2,593,127
Others		16,530,229		6.15		(327,004	)		16,203,225

	~~W~~	268,590,498		100.00	~~W~~	(3,190,038	)	~~W~~	265,400,460

4.2.7.2 Classifications of retail loans and credit card receivables as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

	June 30, 2026
	Loans		%		Allowances			Carrying amount
Housing loan	~~W~~	115,001,139		49.04	~~W~~	(388,413	)	~~W~~	114,612,726
General loan		96,364,237		41.10		(1,190,004	)		95,174,233
Credit card		23,121,921		9.86		(736,613	)		22,385,308

	~~W~~	234,487,297		100.00	~~W~~	(2,315,030	)	~~W~~	232,172,267

(In millions of Korean won)

	December 31, 2025
	Loans		%		Allowances			Carrying amount
Housing loan	~~W~~	113,218,721		48.80	~~W~~	(352,721	)	~~W~~	112,866,000
General loan		95,666,030		41.23		(1,147,533	)		94,518,497
Credit card		23,135,086		9.97		(715,904	)		22,419,182

	~~W~~	232,019,837		100.00	~~W~~	(2,216,158	)	~~W~~	229,803,679

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.7.3 Classifications of due from financial institutions, securities other than equity securities, and derivative financial assets by industry as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Amount		%		Allowances			Carrying<br>amount
Due from financial institutions measured at amortized cost
Government and government funded institutions	~~W~~	326,590		0.78	~~W~~	—		~~W~~	326,590
Finance and insurance		41,728,382		99.22		(2,701	)		41,725,681

		42,054,972		100.00		(2,701	)		42,052,271

Due from financial institutions measured at fair value through profit or<br>loss
Finance and insurance		464,999		100.00		—			464,999

		464,999		100.00		—			464,999

Securities measured at fair value through profit or loss
Government and government funded institutions		29,309,194		34.49		—			29,309,194
Finance and insurance		38,950,286		45.84		—			38,950,286
Others		16,712,912		19.67		—			16,712,912

		84,972,392		100.00		—			84,972,392

Derivative financial assets
Government and government funded institutions		198,608		1.53		—			198,608
Finance and insurance		11,536,441		88.97		—			11,536,441
Others		1,232,439		9.50		—			1,232,439

		12,967,488		100.00		—			12,967,488

Securities measured at fair value through other comprehensive income
Government and government funded institutions		57,171,603		63.30		—			57,171,603
Finance and insurance		21,757,056		24.09		—			21,757,056
Others		11,396,001		12.61		—			11,396,001

		90,324,660		100.00		—			90,324,660

Securities measured at amortized cost
Government and government funded institutions		15,269,367		38.62		(1,392	)		15,267,975
Finance and insurance		23,933,787		60.55		(15,711	)		23,918,076
Others		327,053		0.83		(432	)		326,621

		39,530,207		100.00		(17,535	)		39,512,672

	~~W~~	270,314,718			~~W~~	(20,236	)	~~W~~	270,294,482

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

(In millions of Korean won)	December 31, 2025
	Amount		%		Allowances			Carrying<br>amount
Due from financial institutions measured at amortized cost
Government and government funded institutions	~~W~~	548,066		1.68	~~W~~	—		~~W~~	548,066
Finance and insurance		32,020,992		98.32		(1,350	)	~~W~~	32,019,642

		32,569,058		100.00		(1,350	)		32,567,708

Due from financial institutions measured at fair value through profit or<br>loss
Finance and insurance		476,717		100.00		—			476,717

		476,717		100.00		—			476,717

Securities measured at fair value through profit or loss
Government and government funded institutions		27,525,884		34.17		—			27,525,884
Finance and insurance		37,931,231		47.09		—			37,931,231
Others		15,096,233		18.74		—			15,096,233

		80,553,348		100.00		—			80,553,348

Derivative financial assets
Government and government funded institutions		54,733		0.67		—			54,733
Finance and insurance		7,266,345		88.85		—			7,266,345
Others		856,978		10.48		—			856,978

		8,178,056		100.00		—			8,178,056

Securities measured at fair value through other comprehensive income
Government and government funded institutions		57,326,535		61.44		—			57,326,535
Finance and insurance		24,060,595		25.78		—			24,060,595
Others		11,925,289		12.78		—			11,925,289

		93,312,419		100.00		—			93,312,419

Securities measured at amortized cost
Government and government funded institutions		14,338,528		40.87		(1,054	)		14,337,474
Finance and insurance		20,570,329		58.63		(15,924	)		20,554,405
Others		175,632		0.50		(319	)		175,313

		35,084,489		100.00		(17,297	)		35,067,192

	~~W~~	250,174,087			~~W~~	(18,647	)	~~W~~	250,155,440

Due from financial institutions, financial instruments at fair value through profit or loss linked to gold price, and derivative financial instruments are mostly related to the finance and insurance industry with high credit ratings.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.3 Liquidity Risk

4.3.1 Overview of liquidity risk

Liquidity risk refers to the risk that the Group may face insolvency due to a shortage of funds arising from mismatches in the timing of fund procurement and utilization or unexpected cash outflows, or may incur losses through obtaining high-interest borrowings or disposing of held assets on unfavorable terms in order to resolve such funding shortages. The Group manages its liquidity risk through analysis of the contractual maturity of interest-bearing assets and liabilities, assets and liabilities related to the other inflows and outflows of funds, and off-balance sheet items related to the inflows and outflows of funds such as currency derivative instruments and others.

4.3.2 Liquidity risk management and indicator

The liquidity risk is managed by risk management policies and liquidity risk management guidelines set forth in these policies that apply to all risk management policies and procedures that may arise throughout the overall business of the Group.

The Group calculates and manages liquidity ratio and others for all transactions and off-balance transactions related to liquidity, which affect the cash flows in Korean won and foreign currency funds raised and operated for the management of liquidity risks and periodically reports them to the Risk Management Committee.

4.3.3 Analysis of remaining contractual maturity of financial liabilities

The cash flows disclosed in the maturity analysis are undiscounted contractual amounts including principal and future interest payments; as such, amounts in the table below do not match with those in the consolidated statements of financial position which are based on discounted cash flows. The future interest payments for floating-rate liabilities are calculated on the assumption that the current interest rate is the same until maturity.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.3.3.1 Remaining contractual maturity of financial liabilities other than derivatives held for cash flow hedge, and off-balance sheet items as of June 30, 2026 and December 31 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	On demand		Up to 1 month		1-3 months		3-12 months		1-5 years		Over 5 years		Total
Financial liabilities
Financial liabilities at fair value through profit or loss ^1^	~~W~~	3,654,317	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	3,654,317
Financial liabilities designated at fair value through profit or loss ^1^		7,872,332		—		—		—		—		—		7,872,332
Derivatives held for trading ^1^		12,165,105		—		—		—		—		—		12,165,105
Derivatives held for hedging ^2^		—		64,675		70,446		219,733		532,938		45		887,837
Deposits ^3^		224,474,716		35,921,874		63,645,279		142,509,022		27,418,025		1,023,269		494,992,185
Borrowings		13,228,114		17,775,606		10,390,883		25,034,554		11,598,972		1,080,645		79,108,774
Debentures		155		3,879,083		8,434,963		27,996,800		43,955,312		969,670		85,235,983
Lease liabilities		172		34,480		59,294		235,098		594,385		17,114		940,543
Other financial liabilities		215,738		62,252,985		1,549,003		515,602		1,154,075		208,611		65,896,014

	~~W~~	261,610,649	~~W~~	119,928,703	~~W~~	84,149,868	~~W~~	196,510,809	~~W~~	85,253,707	~~W~~	3,299,354	~~W~~	750,753,090

Off-balance sheet items
Commitments ^4^	~~W~~	222,969,804	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	222,969,804
Acceptances and guarantees<br>contracts ^5^		16,897,430		—		—		—		—		—		16,897,430
Financial guarantee contracts ^5^		7,118,102		—		—		—		—		—		7,118,102

	~~W~~	246,985,336	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	246,985,336

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.3.3.1 Remaining contractual maturity of financial liabilities other than derivatives held for cash flow hedge, and off-balance sheet items as of June 30, 2026 and December 31 2025, are as follows: (cont’d)

(In millions of Korean won)	December 31, 2025
	On demand		Up to 1 month		1-3 months		3-12 months		1-5 years		Over 5 years			Total
Financial liabilities
Financial liabilities at fair value through profit or loss ^1^	~~W~~	3,339,572	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—		~~W~~	3,339,572
Financial liabilities designated at fair value through profit or loss ^1^		7,981,018		—		—		—		—		—			7,981,018
Derivatives held for trading ^1^		7,687,304		—		—		—		—		—			7,687,304
Derivatives held for hedging ^2^		—		10,774		12,157		263,427		81,649		(58	)		367,949
Deposits ^3^		201,772,650		40,440,335		56,336,873		142,245,329		28,884,608		1,203,556			470,883,351
Borrowings		11,635,724		20,378,309		7,077,101		21,534,773		10,042,532		1,121,266			71,789,705
Debentures		868		4,812,305		7,215,145		26,911,817		43,479,691		2,313,102			84,732,928
Lease liabilities		609		33,862		58,736		232,067		619,002		26,140			970,416
Other financial liabilities		754,678		28,772,873		142,050		486,329		1,127,692		164,919			31,448,541

	~~W~~	233,172,423	~~W~~	94,448,458	~~W~~	70,842,062	~~W~~	191,673,742	~~W~~	84,235,174	~~W~~	4,828,925		~~W~~	679,200,784

Off-balance sheet items
Commitments ^4^	~~W~~	213,477,156	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—		~~W~~	213,477,156
Acceptances and guarantees<br>contracts ^5^		15,503,443		—		—		—		—		—			15,503,443
Financial guarantee contracts ^5^		7,209,320		—		—		—		—		—			7,209,320

	~~W~~	236,189,919	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—		~~W~~	236,189,919

^1^	Financial liabilities measured or designated at fair value through profit or loss and derivatives held for<br>trading are not managed by contractual maturity because they are expected to be traded or redeemed before maturity. Therefore, the carrying amounts of those financial instruments are included in the ‘On demand’ category.
:---	:---
^2^	Cash flows of derivatives held for hedging are shown at net amount of cash inflows and outflows by remaining<br>contractual maturity.
:---	:---
^3^	Deposits that are contractually repayable on demand or on short notice are included in the ‘On<br>demand’ category.
:---	:---
^4^	Unutilized amounts under commitments are included in the ‘On demand’ category because payments can<br>be requested at any time.
:---	:---
^5^	Cash flows under payment guarantee contracts and financial guarantee contracts are classified based on the<br>earliest period that the contract can be executed.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.4 Market Risk

4.4.1 Concept

Market risk refers to the risk of loss arising from fluctuations in market factors such as interest rates, stock prices, and exchange rates, and it arises from securities, derivative financial instruments, and similar exposures. The most significant risks associated with trading positions are interest rate risk, currency risk, and additional risks include stock price risk. The non-trading position is also exposed to interest rate risk. The Group manages market risk separately for those arising from the trading position and those arising from the non-trading position.

4.4.2 Risk management

The Group sets and monitors internal capital limits for market risk and interest rate risk to manage the risks of trading and non-trading positions. In order to manage market risk efficiently, the Group maintains risk management systems and procedures such as trading policies and procedures, market risk management guidelines for trading positions, and interest rate risk management guidelines for non-trading positions. The entire process is carried out through consultation with the Risk Management Council and approval by the Risk Management Committee of the Group. However, insurance companies that are engaged in the insurance business are not subject to these guidelines and are monitored by setting internal capital limits for market risk and interest rate risk based on K-ICS.

In the case of Kookmin Bank, a major subsidiary, the Risk Management Council establishes and enforces overall market risk management policies for market risk management and decides to establish position limits, loss limits, VaR limits, and approves non-standard new products. In addition, the Market Risk Management Subcommittee, chaired by Chief Risk Officer (“CRO”), is a practical decision-making body for market risk management and determines position limits, loss limits, VaR limits, sensitivity limits, and scenario loss limits for each department of the business group.

Kookmin Bank’s Asset-Liability Management Committee (“ALCO”) determines interest rate and commission operating standards and Asset Liability Management (“ALM”) operation policies and enacts and revises relevant guidelines. The Risk Management Committee and the Risk Management Council monitor the establishment and enforcement of ALM risk management policies and enact and revise ALM risk management guidelines. Interest rate risk limits are set based on future asset and liability positions and expected interest rate volatility, which reflect annual business plans. The Financial Planning Department and the Risk Management Department regularly measure and monitor interest rate risk and report the status and limit of interest rate risk including changes in Economic Value of Equity (“ΔEVE”), changes in Net Interest Income (“ΔNII”), and duration gap to the ALCO and the Risk Management Council on a monthly basis, and to the Risk Management Committee on a quarterly basis. To ensure the adequacy of interest rate risk and liquidity risk management, the Risk Management Department assigns the limits, monitors and reviews the procedures and tasks of ALM operations conducted by the ALM department, and reports related matters to the management independently.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.5 Operational Risk

4.5.1 Concept

Operational risk of the Group refers to the risk of loss that may occur due to improper or incorrect internal procedures, personnel, systems or external events. Operational risk management plays a role in enhancing the stability and soundness of financial institutions by managing the appropriate level of capital and supplementing the internal control system.

4.5.2 Risk management

The purpose of operational risk management is not only to comply with supervisory and regulatory requirements, but also to spread risk management culture, strengthen internal control, improve processes, and provide timely feedback to management and all employees. The Parent Company manages the Group’s overall operational risk, and each subsidiary establishes and implements operational risk management policies according to its own risk level and implements and operates related systems. The Group Risk Management Committee establishes and allocates risk capital of operational risk for each subsidiary, and subsidiaries manage operational risks at an appropriate level within the allocated risk capital.

5. Segment Information

5.1 Overall Segment Information and Business Segments

The Group classifies reporting segments based on the nature of the products and services provided, the type of customer, and the Group’s management organization.

Banking business	Corporate banking	Loans, deposit products, and other related financial services to large, small and medium-sized enterprises and SOHOs
	Retail banking	Loans, deposit products, and other related financial services to individuals and<br>households
	Other banking services	Trading activities in securities and derivatives, funding, and other supporting<br>activities
Securities business		Investment banking, brokerage services, and other supporting activities
Non-life insurance business		Non-life insurance and other supporting<br>activities
Credit card business		Credit sale, cash advance, card loan, and other supporting activities
Life insurance business		Life insurance and other supporting activities

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.1 Overall Segment Information and Business Segments (cont’d)

Financial information by business segments for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)
	2026
	Banking business												Securities			Non-life<br>insurance			Credit card			Life<br>insurance			Others			Consolidation<br>adjustments			Total
	Corporate<br>banking			Retail<br>banking			Other<br>banking<br>services			Sub-total
Net operating revenues (expenses) from external customers	~~W~~	2,747,234		~~W~~	2,280,172		~~W~~	314,627		~~W~~	5,342,033		~~W~~	1,986,466		~~W~~	790,374		~~W~~	1,012,941		~~W~~	243,469		~~W~~	732,246		~~W~~	—		~~W~~	10,107,529
Intersegment net operating revenues (expenses)		(328,412	)		—			763,330			434,918			(133,380	)		(34,588	)		(33,489	)		5,836			246,729			(486,026	)		—

		2,418,822			2,280,172			1,077,957			5,776,951			1,853,086			755,786			979,452			249,305			978,975			(486,026	)		10,107,529

Net interest income (expenses)		2,814,885			2,008,682			688,376			5,511,943			311,847			(36,651	)		763,179			(66,579	)		196,298			(201,777	)		6,478,260
Interest income		5,393,937			3,718,224			1,713,619			10,825,780			923,559			571,216			1,145,045			369,641			721,993			(45,405	)		14,511,829
Interest expense		(2,579,052	)		(1,709,542	)		(1,025,243	)		(5,313,837	)		(611,712	)		(607,867	)		(381,866	)		(436,220	)		(525,695	)		(156,372	)		(8,033,569	)
Net fee and commission income (expenses)		252,457			324,977			203,330			780,764			1,150,657			(16,498	)		372,124			17,298			682,581			(25,681	)		2,961,245
Fee and commission income		344,206			400,406			253,914			998,526			1,401,247			5,739			880,458			22,184			759,397			(163,357	)		3,904,194
Fee and commission expense		(91,749	)		(75,429	)		(50,584	)		(217,762	)		(250,590	)		(22,237	)		(508,334	)		(4,886	)		(76,816	)		137,676			(942,949	)
Net insurance income		—			—			—			—			—			499,321			2,774			230,810			—			22,811			755,716
Insurance income		—			—			—			—			—			5,860,586			6,259			556,443			—			(23,534	)		6,399,754
Insurance expense		—			—			—			—			—			(5,361,265	)		(3,485	)		(325,633	)		—			46,345			(5,644,038	)
Net gains (losses) on financial instruments at fair value through profit or loss		(23,236	)		—			136,278			113,042			295,325			216,863			230			1,975,619			205,075			(220,409	)		2,585,745
Net other insurance finance income (expenses)		—			—			—			—			—			37,560			—			(2,034,145	)		—			—			(1,996,585	)
Net other operating income (expenses)		(625,284	)		(53,487	)		49,973			(628,798	)		95,257			55,191			(158,855	)		126,302			(104,979	)		(60,970	)		(676,852	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.1 Overall Segment Information and Business Segments (cont’d)

(In millions of Korean won)
	2026
	Banking business
	Corporate<br>banking			Retail<br>banking			Other<br>banking<br>services			Sub-total			Securities			Non-life<br>insurance			Credit card			Life<br>insurance			Others			Consolidation<br>adjustments			Total
General and administrative expenses	~~W~~	(920,103	)	~~W~~	(919,573	)	~~W~~	(433,869	)	~~W~~	(2,273,545	)	~~W~~	(753,255	)	~~W~~	(74,586	)	~~W~~	(285,574	)	~~W~~	(82,721	)	~~W~~	(265,223	)	~~W~~	80,503		~~W~~	(3,654,401	)
Operating income (expenses) before provision for credit losses		1,498,719			1,360,599			644,088			3,503,406			1,099,831			681,200			693,878			166,584			713,752			(405,523	)		6,453,128
Reversal (provision) of credit losses		(243,520	)		(128,507	)		(994	)		(373,021	)		(49,838	)		(16,135	)		(393,619	)		(1,469	)		(179,225	)		293			(1,013,014	)
Net operating income (expenses)		1,255,199			1,232,092			643,094			3,130,385			1,049,993			665,065			300,259			165,115			534,527			(405,230	)		5,440,114
Share of profit (loss) of associates and joint ventures		—			—			14,516			14,516			7,595			1,321			64			(225	)		5,512			7,134			35,917
Net other non-operating income (expenses)		(1,352	)		—			(116,748	)		(118,100	)		18,690			(306	)		(3,444	)		5,941			3,369			(18,283	)		(112,133	)
Segment profit (loss) before income tax expense		1,253,847			1,232,092			540,862			3,026,801			1,076,278			666,080			296,879			170,831			543,408			(416,379	)		5,363,898
Income tax benefit (expense)		(310,466	)		(319,636	)		(172,457	)		(802,559	)		(277,965	)		(187,126	)		(73,805	)		(29,266	)		(39,300	)		(26,900	)		(1,436,921	)

Profit (loss) for the period	~~W~~	943,381		~~W~~	912,456		~~W~~	368,405		~~W~~	2,224,242		~~W~~	798,313		~~W~~	478,954		~~W~~	223,074		~~W~~	141,565		~~W~~	504,108		~~W~~	(443,279	)	~~W~~	3,926,977

Profit (loss) attributable to shareholders of the Parent Company		943,082			912,456			369,864			2,225,402			796,291			478,792			218,931			141,565			503,476			(479,867	)		3,884,590
Profit (loss) attributable to non-controlling interests		299			—			(1,459	)		(1,160	)		2,022			162			4,143			—			632			36,588			42,387
Total assets *		257,136,534			183,715,365			186,019,169			626,871,068			102,789,277			44,637,350			31,284,994			35,190,078			68,414,870			(42,298,432	)		866,889,205
Total liabilities *		255,503,338			209,462,940			123,131,332			588,097,610			94,579,381			38,380,894			25,584,927			32,324,608			30,289,730			(5,069,767	)		804,187,383
*	Assets and liabilities of the reporting segments are amounts before intersegment transactions.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.1 Overall Segment Information and Business Segments (cont’d)

(In millions of Korean won)
	2025
	Banking business												Securities			Non-life<br>insurance			Credit card			Life<br>insurance			Others			Consolidation<br>adjustments			Total
	Corporate<br>banking			Retail<br>banking			Other<br>banking<br>services			Sub-total
Net operating revenues (expenses) from external customers	~~W~~	2,348,693		~~W~~	1,952,609		~~W~~	1,495,731		~~W~~	5,797,033		~~W~~	1,056,129		~~W~~	685,033		~~W~~	1,007,830		~~W~~	195,742		~~W~~	350,201		~~W~~	—		~~W~~	9,091,968
Intersegment net operating revenues (expenses)		75,071			—			(127,556	)		(52,485	)		1,997			142,160			(56,780	)		32,924			365,564			(433,380	)		—

		2,423,764			1,952,609			1,368,175			5,744,548			1,058,126			827,193			951,050			228,666			715,765			(433,380	)		9,091,968

Net interest income (expenses)		2,917,852			1,748,931			537,545			5,204,328			324,377			(16,671	)		823,059			(54,003	)		295,860			(208,259	)		6,368,691
Interest income		5,682,047			3,780,657			1,617,398			11,080,102			886,098			488,355			1,218,722			340,593			770,001			(44,297	)		14,739,574
Interest expense		(2,764,195	)		(2,031,726	)		(1,079,853	)		(5,875,774	)		(561,721	)		(505,026	)		(395,663	)		(394,596	)		(474,141	)		(163,962	)		(8,370,883	)
Net fee and commission income (expenses)		225,125			161,294			185,673			572,092			410,418			(20,321	)		343,915			5,174			683,335			(28,629	)		1,965,984
Fee and commission income		321,168			230,094			242,730			793,992			531,950			2,789			860,879			9,887			756,761			(179,059	)		2,777,199
Fee and commission expense		(96,043	)		(68,800	)		(57,057	)		(221,900	)		(121,532	)		(23,110	)		(516,964	)		(4,713	)		(73,426	)		150,430			(811,215	)
Net insurance income		—			—			—			—			—			561,428			3,557			246,454			—			38,450			849,889
Insurance income		—			—			—			—			—			5,655,497			7,004			504,814			—			(22,901	)		6,144,414
Insurance expense		—			—			—			—			—			(5,094,069	)		(3,447	)		(258,360	)		—			61,351			(5,294,525	)
Net gains (losses) on financial instruments at fair value through profit or loss		(28,795	)		—			602,837			574,042			307,683			264,836			830			564,997			388,006			11,969			2,112,363
Net other insurance finance income (expenses)		—			—			—			—			—			5,212			—			(418,502	)		—			(1	)		(413,291	)
Net other operating income (expenses)		(690,418	)		42,384			42,120			(605,914	)		15,648			32,709			(220,311	)		(115,454	)		(651,436	)		(246,910	)		(1,791,668	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.1 Overall Segment Information and Business Segments (cont’d)

(In millions of Korean won)	2025
	Banking business												Securities			Non-life<br>insurance			Credit card			Life<br>insurance			Others			Consolidation<br>adjustments			Total
	Corporate<br>banking			Retail<br>banking			Other<br>banking<br>services			Sub-total
General and administrative expenses	~~W~~	(911,607	)	~~W~~	(881,637	)	~~W~~	(385,370	)	~~W~~	(2,178,614	)	~~W~~	(537,210	)	~~W~~	(73,913	)	~~W~~	(291,431	)	~~W~~	(79,642	)	~~W~~	(252,977	)	~~W~~	58,526		~~W~~	(3,355,261	)
Operating income before provision for credit losses		1,512,157			1,070,972			982,805			3,565,934			520,916			753,280			659,619			149,024			462,788			(374,854	)		5,736,707
Reversal (provision) of credit losses		(497,430	)		(117,084	)		(6,086	)		(620,600	)		(81,982	)		1,265			(418,857	)		(1,109	)		(180,462	)		(8,963	)		(1,310,708	)
Net operating income (expenses)		1,014,727			953,888			976,719			2,945,334			438,934			754,545			240,762			147,915			282,326			(383,817	)		4,425,999
Share of profit (loss) of associates and joint ventures		—			—			4,795			4,795			(7,957	)		1,164			601			(334	)		3,541			8,451			10,261
Net other non-operating income (expenses)		(2,619	)		—			(36,262	)		(38,881	)		25,831			1,615			(2,813	)		3,580			236,393			(12,238	)		213,487
Segment profit (loss) before income tax expense		1,012,108			953,888			945,252			2,911,248			456,808			757,324			238,550			151,161			522,260			(387,604	)		4,649,747
Income tax benefit (expense)		(265,990	)		(228,906	)		(246,512	)		(741,408	)		(117,179	)		(198,873	)		(56,790	)		(34,684	)		(63,081	)		8,970			(1,203,045	)

Profit (loss) for the period	~~W~~	746,118		~~W~~	724,982		~~W~~	698,740		~~W~~	2,169,840		~~W~~	339,629		~~W~~	558,451		~~W~~	181,760		~~W~~	116,477		~~W~~	459,179		~~W~~	(378,634	)	~~W~~	3,446,702

Profit (loss) attributable to shareholders of the Parent Company		737,223			724,982			725,400			2,187,605			338,865			558,141			181,269			116,477			458,335			(404,999	)		3,435,693
Profit (loss) attributable to non-controlling<br>interests		8,895			—			(26,660	)		(17,765	)		764			310			491			—			844			26,365			11,009
Total assets *		244,324,619			182,734,005			157,876,343			584,934,967			76,461,426			45,377,597			30,235,710			35,585,902			66,608,064			(41,280,633	)		797,923,033
Total liabilities *		227,897,241			217,055,771			101,026,314			545,979,326			69,572,471			39,725,458			24,597,933			32,795,927			28,844,053			(4,422,124	)		737,093,044
*	Assets and liabilities of the reporting segments are amounts before intersegment transactions as of<br>December 31, 2025.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.2 Services and Geographical Segments

5.2.1 Services information

Net operating revenues from external customers by service for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)
	2026		2025
Banking service	~~W~~	5,342,033	~~W~~	5,797,033
Securities service		1,986,466		1,056,129
Non-life insurance service		790,374		685,033
Credit card service		1,012,941		1,007,830
Life insurance service		243,469		195,742
Others		732,246		350,201

	~~W~~	10,107,529	~~W~~	9,091,968

5.2.2 Geographical information

Geographical net operating revenues from external for the six-month periods ended June 30, 2026 and 2025, and major non-current assets as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)
	Net operating revenues<br>from external customers					Major non-current assets
	2026			2025		June 30,<br>2026		December 31,<br>2025
Domestic	~~W~~	9,321,382		~~W~~	8,304,994	~~W~~	9,110,053	~~W~~	8,977,713
United States		50,722			35,535		31,942		31,788
New Zealand		(870	)		1,351		502		597
China		80,065			83,415		23,161		22,657
Cambodia		366,106			360,338		98,748		96,493
United Kingdom		38,067			32,880		10,995		10,572
Indonesia		145,549			145,369		455,852		466,781
Others		106,508			128,086		28,718		29,490
Consolidation adjustments		—			—		335,294		331,317

	~~W~~	10,107,529		~~W~~	9,091,968	~~W~~	10,095,265	~~W~~	9,967,408

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6. Financial Assets and Financial Liabilities

6.1 Classification and Fair Value of Financial Instruments

6.1.1 Carrying amount and fair value of financial assets and liabilities by category as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Carrying amount		Fair value
Financial assets
Cash and due from financial institutions	~~W~~	44,618,344	~~W~~	44,618,045
Financial assets at fair value through profit or loss:		100,468,179		100,468,179
Due from financial institutions		63,347		63,347
Debt securities		84,972,392		84,972,392
Equity securities		13,526,320		13,526,320
Loans		1,504,468		1,504,468
Others		401,652		401,652
Derivatives held for trading		12,373,751		12,373,751
Derivatives held for hedging		593,737		593,737
Loans measured at amortized cost		505,398,999		504,214,640
Securities measured at amortized cost		39,512,672		38,565,657
Financial assets at fair value through other comprehensive income:		97,686,192		97,686,192
Debt securities		90,324,660		90,324,660
Equity securities		5,192,114		5,192,114
Loans		2,169,418		2,169,418
Other financial assets		46,522,150		46,522,150

	~~W~~	847,174,024	~~W~~	845,042,351

Financial liabilities
Financial liabilities at fair value through profit or loss	~~W~~	3,654,317	~~W~~	3,654,317
Financial liabilities designated at fair value through profit or loss		7,872,332		7,872,332
Derivatives held for trading		12,165,105		12,165,105
Derivatives held for hedging		1,226,048		1,226,048
Deposits		486,343,528		485,994,816
Borrowings		77,907,732		77,767,778
Debentures		80,462,793		79,732,371
Other financial liabilities		74,446,950		74,446,950

	~~W~~	744,078,805	~~W~~	742,859,717

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.1 Carrying amount and fair value of financial assets and liabilities by category as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)	December 31, 2025
	Carrying<br>amount		Fair value
Financial assets
Cash and due from financial institutions	~~W~~	34,776,877	~~W~~	34,775,543
Financial assets at fair value through profit or loss:		89,862,530		89,862,530
Due from financial institutions		64,438		64,438
Debt securities		80,553,348		80,553,348
Equity securities		7,601,453		7,601,453
Loans		1,231,012		1,231,012
Others		412,279		412,279
Derivatives held for trading		7,748,371		7,748,371
Derivatives held for hedging		429,685		429,685
Loans measured at amortized cost		491,978,044		493,706,126
Securities measured at amortized cost		35,067,192		34,483,439
Financial assets at fair value through other comprehensive income:		99,919,485		99,919,485
Debt securities		93,312,419		93,312,419
Equity securities		4,611,983		4,611,983
Loans		1,995,083		1,995,083
Other financial assets		19,069,696		19,069,696

	~~W~~	778,851,880	~~W~~	779,994,875

Financial liabilities
Financial liabilities at fair value through profit or loss	~~W~~	3,339,572	~~W~~	3,339,572
Financial liabilities designated at fair value through profit or loss		7,981,018		7,981,018
Derivatives held for trading		7,687,305		7,687,305
Derivatives held for hedging		546,984		546,984
Deposits		462,397,026		462,628,538
Borrowings		70,728,396		70,659,088
Debentures		80,049,270		80,201,757
Other financial liabilities		40,469,257		40,469,257

	~~W~~	673,198,828	~~W~~	673,513,519

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. The Group discloses the fair value of each class of assets and liabilities in a way that permits it to be compared with its carrying amount at the end of each reporting period. The best evidence of fair value of financial instruments is a quoted price in an active market.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.1 Carrying amount and fair value of financial assets and liabilities by category as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

Methods of determining fair value of financial instruments are as follows:

Cash and due from financial institutions		Fair value of cash is same as carrying amount. Carrying amount of demand deposit and settlement deposit is a reasonable approximation of fair value because these financial instruments do not have a fixed maturity and are receivable<br>on demand. Fair value of general deposit is measured using Discounted Cash Flow (“DCF”) Model.
Securities		Fair value of listed stocks and others that are traded in an active market is determined using the quoted prices. If there is no quoted price, fair value is determined using external professional valuation institutions. The<br>institutions use one or more valuation techniques that are deemed appropriate considering the characteristics of the financial instruments among DCF Model, Free Cash Flow to Equity Model, Comparable Company Analysis, Dividend Discount Model, Risk<br>Adjusted Discount Rate Method, and Net Asset Value Method.
Loans		Fair value of loans is determined using DCF Model by discounting the expected cash flows, which are contractual cash flows adjusted by the expected prepayment rate, at an appropriate discount rate.
Derivatives and financial instruments at fair value through profit or loss		Fair value of exchange traded derivatives is determined using quoted price in an active market, and fair value of OTC derivatives is determined using valuation techniques. The Group uses internally developed valuation models that<br>are widely used by market participants to determine fair value of plain vanilla OTC derivatives including options, interest rate swaps, and currency swaps, based on observable market parameters. However, some complex financial instruments are valued<br>using appropriate models developed from generally accepted market valuation models including Finite Difference Method (“FDM”), Monte Carlo Simulation, Black-Scholes Model, Hull-white Model, Closed Form, and Tree Model or valuation<br>results from independent external professional valuation institutions.
Deposits		Carrying amount of demand deposits is a reasonable approximation of fair value because they do not have a fixed maturity and are payable on demand. Fair value of time deposits is determined using DCF Model by discounting the<br>expected cash flows, which are contractual cash flows adjusted by the expected prepayment rate, at an appropriate discount rate.
Borrowings		Carrying amount of overdrafts in foreign currency is a reasonable approximation of fair value because they do not have a fixed maturity and are payable on demand. Fair value of other borrowings is determined using DCF<br>Model.
Debentures		Fair value is determined using valuation results of external professional valuation institutions, which are calculated using market inputs.
Other financial assets and other financial liabilities		Carrying amount is a reasonable approximation of fair value because other financial assets and other financial liabilities are temporary accounts used for other various transactions and their maturities are relatively short or not<br>defined.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.2 Fair value hierarchy

The Group believes that valuation techniques used for measuring the fair value of financial instruments are reasonable and that the fair value recognized in the consolidated statement of financial position is appropriate. However, the fair value of the financial instruments recognized in the consolidated statement of financial position may be different if other valuation techniques or assumptions are used. Additionally, as there are a variety of valuation techniques and assumptions used in measuring fair value, it may be difficult to reasonably compare the fair value with that of other financial institutions.

The Group classifies and discloses fair value of the financial instruments into the three fair value levels as follows:

Level 1: The fair values are based on quoted prices (unadjusted) in active markets for identical assets or liabilities that the entity can access at the measurement date.

Level 2: The fair values are based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly.

Level 3: The fair values are based on unobservable inputs for the asset or liability.

The fair value measurement is categorized in its entirety in the same level of the fair value hierarchy as the lowest level input that is significant to the entire measurement. If an observable input requires an adjustment using an unobservable input and that adjustment results in a significantly higher or lower fair value measurement, the resulting measurement would be categorized within Level 3 of the fair value hierarchy.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.2.1 Fair value hierarchy of financial assets and liabilities at fair value in the consolidated statements of financial position

Fair value hierarchy of financial assets and liabilities at fair value in the consolidated statements of financial position as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Fair value hierarchy						Total
	Level 1		Level 2		Level 3
Financial assets
Financial assets at fair value through profit or loss:	~~W~~	40,098,513	~~W~~	37,481,125	~~W~~	22,888,541	~~W~~	100,468,179
Due from financial institutions		—		—		63,347		63,347
Debt securities		28,195,383		37,292,190		19,484,819		84,972,392
Equity securities		11,501,478		188,935		1,835,907		13,526,320
Loans		—		—		1,504,468		1,504,468
Others		401,652		—		—		401,652
Derivatives held for trading		166,623		11,986,285		220,843		12,373,751
Derivatives held for hedging		—		593,737		—		593,737
Financial assets at fair value through other comprehensive income:		46,679,244		49,106,111		1,900,837		97,686,192
Debt securities		46,162,493		44,162,167		—		90,324,660
Equity securities		516,751		2,774,526		1,900,837		5,192,114
Loans		—		2,169,418		—		2,169,418

	~~W~~	86,944,380	~~W~~	99,167,258	~~W~~	25,010,221	~~W~~	211,121,859

Financial liabilities
Financial liabilities at fair value through profit or loss	~~W~~	3,654,317	~~W~~	—	~~W~~	—	~~W~~	3,654,317
Financial liabilities designated at fair value through profit or loss		505,842		1,430,622		5,935,868		7,872,332
Derivatives held for trading		666,976		11,073,217		424,912		12,165,105
Derivatives held for hedging		—		1,226,048		—		1,226,048

	~~W~~	4,827,135	~~W~~	13,729,887	~~W~~	6,360,780	~~W~~	24,917,802

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.2.1 Fair value hierarchy of financial assets and liabilities at fair value in the consolidated statements of financial position (cont’d)

(In millions of Korean won)	December 31, 2025
	Fair value hierarchy						Total
	Level 1		Level 2		Level 3
Financial assets
Financial assets at fair value through profit or loss:	~~W~~	32,165,510	~~W~~	35,812,155	~~W~~	21,884,865	~~W~~	89,862,530
Due from financial institutions		—		—		64,438		64,438
Debt securities		26,010,266		35,590,894		18,952,188		80,553,348
Equity securities		5,742,965		221,261		1,637,227		7,601,453
Loans		—		—		1,231,012		1,231,012
Others		412,279		—		—		412,279
Derivatives held for trading		174,420		7,360,773		213,178		7,748,371
Derivatives held for hedging		—		429,685		—		429,685
Financial assets at fair value through other comprehensive income:		49,129,214		48,982,122		1,808,149		99,919,485
Debt securities		48,548,227		44,764,192		—		93,312,419
Equity securities		580,987		2,222,847		1,808,149		4,611,983
Loans		—		1,995,083		—		1,995,083

	~~W~~	81,469,144	~~W~~	92,584,735	~~W~~	23,906,192	~~W~~	197,960,071

Financial liabilities
Financial liabilities at fair value through profit or loss	~~W~~	3,339,572	~~W~~	—	~~W~~	—	~~W~~	3,339,572
Financial liabilities designated at fair value through profit or loss		507,900		1,391,155		6,081,963		7,981,018
Derivatives held for trading		226,234		7,036,258		424,813		7,687,305
Derivatives held for hedging		—		546,984		—		546,984

	~~W~~	4,073,706	~~W~~	8,974,397	~~W~~	6,506,776	~~W~~	19,554,879

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.2.1 Fair value hierarchy of financial assets and liabilities at fair value in the consolidated statements of financial position (cont’d)

Valuation techniques and inputs of financial assets and liabilities classified as Level 2 and measured at fair value in the consolidated statements of financial position as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Fair value		Valuation techniques	Inputs
Financial assets
Financial assets at fair value through profit or loss:	~~W~~	37,481,125
Debt securities		37,292,190	DCF Model, Closed Form, Monte Carlo Simulation, Black-Scholes Model,<br>Hull-White Model, Net Asset Value Method, Binomial Model, and others	Contractual cash flows, Fair value of underlying asset, Dividend yield, Price of underlying asset,<br>Interest rate, Discount rate, Volatility, Correlation coefficient, and others
Equity securities		188,935	DCF Model	Interest rate, Discount rate, and others
Derivatives held for trading		11,986,285	DCF Model, Closed Form, FDM, Monte Carlo Simulation, Black-Scholes Model, Hull-White Model, Option Model, and others	Price of underlying asset, Underlying asset index, Interest rate, Volatility, Foreign exchange<br>rate, Discount rate, Credit spread, and others
Derivatives held for hedging		593,737	DCF Model, Closed Form, FDM	Contractual cash flows, Discount rate, Volatility, Foreign exchange rate, Risk free interest rate,<br>and others
Financial assets at fair value through other comprehensive income:		49,106,111
Debt securities		44,162,167	DCF Model, Option Model, Hull-White Model	Underlying asset index, Interest rate, Discount rate, and others
Equity securities		2,774,526	DCF Model	Interest rate, Discount rate, and others
Loans		2,169,418	DCF Model	Discount rate

	~~W~~	99,167,258

Financial liabilities
Financial liabilities designated at fair value through profit or loss	~~W~~	1,430,622	DCF Model, Closed Form, Monte Carlo Simulation, Black-Scholes Model,<br>Hull-White Model, and others	Price of underlying asset, Interest rate, Dividend yield, Volatility, Discount rate
Derivatives held for trading		11,073,217	DCF Model, Closed Form, FDM, Monte Carlo Simulation, Black-Scholes Model, Hull-White Model, Option Model, and others	Price of underlying asset, Underlying asset index, Interest rate, Volatility, Foreign exchange<br>rate, Discount rate, Credit spread, and others
Derivatives held for hedging		1,226,048	DCF Model, Closed Form, FDM	Contractual cash flows, Discount rate, Volatility, Foreign exchange rate, Risk free interest rate<br>and others

	~~W~~	13,729,887

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.2.1 Fair value hierarchy of financial assets and liabilities at fair value in the consolidated statements of financial position (cont’d)

(In millions of Korean won)	December 31, 2025
	Fair value		Valuation techniques	Inputs
Financial assets
Financial assets at fair value through profit or loss:	~~W~~	35,812,155
Debt securities		35,590,894	DCF Model, Closed Form, Monte Carlo Simulation, Black-Scholes Model,<br>Hull-White Model, Net Asset Value Method, Binomial Model, and others	Contractual cash flows, Fair value of underlying asset, Dividend yield, Price of underlying asset,<br>Interest rate, Discount rate, Volatility, Correlation coefficient, and others
Equity securities		221,261	DCF Model	Interest rate, Discount rate, and others
Derivatives held for trading		7,360,773	DCF Model, Closed Form, FDM, Monte Carlo Simulation, Black-Scholes Model, Hull-White Model, Option Model, and others	Price of underlying asset, Underlying asset index, Interest rate, Volatility, Foreign exchange<br>rate, Discount rate, and others
Derivatives held for hedging		429,685	DCF Model, Closed Form, FDM	Contractual cash flows, Discount rate, Volatility, Foreign exchange rate, Risk free interest rate,<br>and others
Financial assets at fair value through other comprehensive income:		48,982,122
Debt securities		44,764,192	DCF Model, Option Model, Hull-White Model	Underlying asset index, Interest rate, Discount rate, and others
Equity securities		2,222,847	DCF Model	Interest rate, Discount rate, and others
Loans		1,995,083	DCF Model	Discount rate

	~~W~~	92,584,735

Financial liabilities
Financial liabilities designated at fair value through profit or loss	~~W~~	1,391,155	DCF Model, Closed Form, Monte Carlo Simulation, Black-Scholes Model,<br>Hull-White Model, and others	Price of underlying asset, Interest rate, Dividend yield, Volatility, Discount rate
Derivatives held for trading		7,036,258	DCF Model, Closed Form, Monte Carlo Simulation, Black-Scholes Model,<br>Hull-White Model, and others	Price of underlying asset, Interest rate, Foreign exchange rate, Credit spread, Discount rate,<br>Volatility, and others
Derivatives held for hedging		546,984	DCF Model, Closed Form, FDM	Contractual cash flows, Discount rate, Volatility, Foreign exchange rate, Risk free interest rate,<br>and others

	~~W~~	8,974,397

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.2.2 Fair value hierarchy of financial assets and liabilities whose fair value is disclosed

Fair value hierarchy of financial assets and liabilities whose fair value is disclosed as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30, 2026
		Fair value hierarchy												Total
		Level 1				Level 2				Level 3
Financial assets
Cash and due from financial institutions<br>^1^		~~W~~	2,899,856			~~W~~	39,217,129			~~W~~	2,501,060			~~W~~	44,618,045
Loans measured at amortized cost ^1^			—				67,972				504,146,668				504,214,640
Securities measured at amortized cost<br>^2^			3,110,450				35,394,004				61,203				38,565,657
Other financial assets ^2^			—				—				46,522,150				46,522,150

		~~W~~	6,010,306			~~W~~	74,679,105			~~W~~	553,231,081			~~W~~	633,920,492

Financial liabilities
Deposits ^1^		~~W~~	—			~~W~~	211,896,771			~~W~~	274,098,045			~~W~~	485,994,816
Borrowings ^3^			—				3,188,750				74,579,028				77,767,778
Debentures			—				68,863,184				10,869,187				79,732,371
Other financial liabilities ^2^			—				—				74,446,950				74,446,950

		~~W~~	—			~~W~~	283,948,705			~~W~~	433,993,210			~~W~~	717,941,915

(In millions of Korean won)		December 31, 2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---	---	---	---	---
		Fair value hierarchy												Total
		Level 1				Level 2				Level 3
Financial assets
Cash and due from financial institutions<br>^1^		~~W~~	2,443,177			~~W~~	30,509,973			~~W~~	1,822,393			~~W~~	34,775,543
Loans measured at amortized cost			—				78,800				493,627,326				493,706,126
Securities measured at amortized cost<br>^2^			3,728,583				30,729,485				25,371				34,483,439
Other financial assets ^2^			—				—				19,069,696				19,069,696

		~~W~~	6,171,760			~~W~~	61,318,258			~~W~~	514,544,786			~~W~~	582,034,804

Financial liabilities
Deposits ^1^		~~W~~	—			~~W~~	189,727,760			~~W~~	272,900,778			~~W~~	462,628,538
Borrowings ^3^			—				3,063,522				67,595,566				70,659,088
Debentures			—				70,382,029				9,819,728				80,201,757
Other financial liabilities ^2^			—				—				40,469,257				40,469,257

		~~W~~	—			~~W~~	263,173,311			~~W~~	390,785,329			~~W~~	653,958,640

^1^	The amounts included in Level 2 are the carrying amounts which are reasonable approximations of fair<br>value.
:---	:---
^2^	The amounts included in Level 3 are the carrying amounts which are reasonable approximations of fair<br>value.
:---	:---
^3^	Borrowings of ~~W~~ 2,569 million and ~~W~~ 731 million included in<br>Level 2 are the carrying amounts which are reasonable approximations of fair value as of June 30, 2026 and December 31, 2025, respectively.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.2.2 Fair value hierarchy of financial assets and liabilities whose fair value is disclosed (cont’d)

For financial assets and liabilities whose carrying amount is a reasonable approximation of fair value, valuation techniques and inputs are not disclosed.

Valuation techniques and inputs of financial assets and liabilities classified as Level 2, and whose fair value is disclosed as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30, 2026
		Fair value				Valuation techniques				Inputs
Financial assets
Securities measured at amortized cost		~~W~~	35,394,004				DCF Model,<br><br>Monte Carlo Simulation				Discount rate,<br>Interest rate

		~~W~~	35,394,004

Financial liabilities
Borrowings		~~W~~	3,186,181				DCF Model				Discount rate
Debentures			68,863,184				DCF Model				Discount rate

		~~W~~	72,049,365

(In millions of Korean won)		December 31, 2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---
		Fair value				Valuation techniques				Inputs
Financial assets
Loans measured at amortized cost		~~W~~	78,800				DCF Model				Discount rate
Securities measured at amortized cost			30,729,485				DCF Model,<br><br>Monte Carlo Simulation				Discount rate,<br>Interest rate

		~~W~~	30,808,285

Financial liabilities
Borrowings		~~W~~	3,062,791				DCF Model				Discount rate
Debentures			70,382,029				DCF Model				Discount rate

		~~W~~	73,444,820

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.1.2.2 Fair value hierarchy of financial assets and liabilities whose fair value is disclosed (cont’d)

Valuation techniques and inputs of financial assets and liabilities classified as Level 3, and whose fair value is disclosed as of June 30, 2026 and December 31, 2025 are as follows:

(In millions of Korean won)		June 30, 2026
		Fair value				Valuation<br>techniques			Inputs
Financial assets
Cash and due from financial institutions		~~W~~	2,501,060				DCF Model		Credit spread, Other spread, Interest rate, Discount rate
Loans measured at amortized cost			504,146,668				DCF Model		Credit spread, Other spread, Prepayment rate, Interest rate, Discount rate, and<br>others

		~~W~~	506,647,728

Financial liabilities
Deposits		~~W~~	274,098,045				DCF Model		Other spread, Prepayment rate, Interest rate, Discount rate
Borrowings			74,579,028				DCF Model		Other spread, Contractual cash flows, Discount rate, Interest rate
Debentures			10,869,187				DCF Model		Contractual cash flows, Discount rate, and others

		~~W~~	359,546,260

(In millions of Korean won)		December 31, 2025
---	---	:---:	---	---	---	---	---	---	---
		Fair value				Valuation<br>techniques			Inputs
Financial assets
Cash and due from financial institutions		~~W~~	1,822,393				DCF Model		Credit spread, Other spread, Interest rate, Discount rate
Loans measured at amortized cost			493,627,326				DCF Model		Credit spread, Other spread, Prepayment rate, Interest rate, Discount rate, and<br>others

		~~W~~	495,449,719

Financial liabilities
Deposits		~~W~~	272,900,778				DCF Model		Other spread, Prepayment rate, Interest rate, Discount rate
Borrowings			67,595,566				DCF Model		Other spread, Contractual cash flows, Discount rate, Interest rate
Debentures			9,819,728				DCF Model		Contractual cash flows, Discount rate, and others

		~~W~~	350,316,072

6.2 Disclosure of Fair Value Hierarchy Level 3

6.2.1 Valuation policy and process of Level 3 fair value

The Group uses external, independent and qualified valuation service in addition to internal valuation models to determine the fair value of financial instruments at the end of every reporting period.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

If the changes in situation and events which cause transfers between the fair value hierarchy level for a financial asset or liability occur, the Group’s policy is to recognize such transfers as having occurred at the beginning of the reporting period.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.2 Changes in fair value (Level 3) measured using valuation technique based on unobservable inputs in the market

6.2.2.1 Changes in financial instruments classified as Level 3 of the fair value hierarchy for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Financial assets at fair value through profit or<br>loss									Financial<br>investments			Financial<br>liabilities at<br>fair value<br>through profit<br>or loss			Net<br>derivative<br>financial<br>instruments
	Due from<br>financial<br>institutions<br>measured<br>at fair<br>value<br>through<br>profit or<br>loss			Securities<br>measured at<br>fair value<br>through profit<br>or loss			Loans<br>measured at<br>fair value<br>through profit<br>or loss			Equity<br>securities<br>measured at<br>fair value<br>through other<br>comprehensive<br>income			Financial<br>liabilities<br>designated at<br>fair value<br>through profit<br>or loss			Derivatives<br>held for<br>trading
Beginning	~~W~~	64,438		~~W~~	20,589,415		~~W~~	1,231,012		~~W~~	1,808,149		~~W~~	(6,081,963	)	~~W~~	(211,635	)
Total gains or losses:
Profit or loss		(1,091	)		492,172			27,241			—			(179,821	)		(22,883	)
Other comprehensive income (loss)		—			—			—			(1,600	)		4,583			—
Purchases		—			2,747,976			1,083,695			124,288			—			—
Sales		—			(2,494,011	)		(837,480	)		(30,000	)		—			(127	)
Issuances		—			—			—			—			(1,555,942	)		(1,266	)
Settlements		—			—			—			—			1,877,275			31,842
Transfers into Level 3 *		—			1,861			—			—			—			—
Transfers out of Level 3 *		—			(16,687	)		—			—			—			—

Ending	~~W~~	63,347		~~W~~	21,320,726		~~W~~	1,504,468		~~W~~	1,900,837		~~W~~	(5,935,868	)	~~W~~	(204,069	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.2.1 Changes in financial instruments classified as Level 3 of the fair value hierarchy for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)		2025
		Financial assets at fair value through profit or<br>loss								Financial<br>investments			Financial<br>liabilities at<br>fair value<br>through profit<br>or loss			Net<br>derivative<br>financial<br>instruments
		Due from<br>financial<br>institutions<br>measured<br>at fair<br>value<br>through<br>profit or<br>loss		Securities<br>measured at<br>fair value<br>through profit<br>or loss			Loans<br>measured at<br>fair value<br>through profit<br>or loss			Equity<br>securities<br>measured at<br>fair value<br>through other<br>comprehensive<br>income			Financial<br>liabilities<br>designated at<br>fair value<br>through profit<br>or loss			Derivatives<br>held for<br>trading
Beginning		~~W~~	59,838	~~W~~	18,879,482		~~W~~	1,187,764		~~W~~	1,499,987		~~W~~	(6,172,518	)	~~W~~	(346,521	)
Total gains or losses:
Profit or loss			6,231		(109,284	)		2,542			—			(176,903	)		48,556
Other comprehensive income (loss)			—		(1	)		—			67,983			(9,038	)		—
Purchases			—		2,494,889			1,584,395			90,582			—			11
Sales			—		(1,926,841	)		(1,755,596	)		(23,047	)		—			(38	)
Issuances			—		—			—			—			(1,318,755	)		(4,450	)
Settlements			—		—			—			—			1,580,078			60,538
Transfers into Level 3 *			—		8,978			—			—			—			—
Transfers out of Level 3 *			—		(79,290	)		—			(7,791	)		—			(4,410	)

Ending		~~W~~	66,069	~~W~~	19,267,933		~~W~~	1,019,105		~~W~~	1,627,714		~~W~~	(6,097,136	)	~~W~~	(246,314	)

*	Transfers into or out of Level 3 of the fair value hierarchy occurred due to the change in the<br>availability of observable market data.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.2.2 In relation to changes in financial instruments classified as Level 3 of the fair value hierarchy, the amounts recognized in profit or loss and the gains or losses related to financial assets and financial liabilities held at the end of the reporting period are presented in the consolidated statement of comprehensive income as follows:

(In millions of Korean won)

	2026						2025
	Net gains<br>(losses) on<br>financial<br>instruments<br>at fair value<br>through<br>profit or loss		Net Other<br>operating<br>income<br>(expenses)		Net<br>interest<br>income		Net gains<br>(losses) on<br>financial<br>instruments<br>at fair value<br>through<br>profit or loss			Net Other<br>operating<br>income<br>(expenses)			Net<br>interest<br>income
Total gains (losses) recognized in profit or loss for the period	~~W~~	63,396	~~W~~	252,222	~~W~~	—	~~W~~	(19,358	)	~~W~~	(209,500	)	~~W~~	—
Total gains (losses) recognized in profit or loss from financial instruments held at the end of<br>the reporting period		92,732		243,932		—		34,999			(187,141	)		—

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.3 Sensitivity analysis of changes in unobservable inputs

6.2.3.1 Information about fair value measurements using unobservable inputs as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Fair value		Valuation techniques	Unobservable inputs	Range of<br>unobservable<br>inputs (%)	Relationship of<br><br>unobservable inputs to fair<br>value
Financial assets
Financial assets at fair value through profit or loss:
Due from financial institutions	~~W~~	63,347	Hull-white Model	Volatility	0.65	The higher the volatility, the higher the fair value fluctuation
Debt securities		19,484,819	DCF Model, Closed Form, FDM, Monte Carlo Simulation, Hull-White Model, Black-Scholes<br>Model, Option Model, Binomial Model, Net Asset Value Method, Income Approach, Market Value Approach, and others	Growth rate	1.00 ~ 3.00	The higher the growth rate, the higher the fair value
				Volatility	0.65 ~ 92.49	The higher the volatility, the higher the fair value fluctuation
				Discount rate	2.48 ~ 18.93	The lower the discount<br><br>rate, the higher the fair value
				Volatility of Stock price	10.00 ~ 56.79	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient	-56.77 ~ 100.00	The higher the correlation coefficient, the higher the fair value fluctuation
				Liquidation value	-1.00 ~ 1.00	The higher the liquidation value, the higher the fair value
				Recovery rate	40.00	The higher the recovery rate, the higher the fair value
				Rate of real estate price fluctuation	0.00	The higher the sale price of real estate, the higher the fair value
Equity securities		1,835,907	Income Approach, Market Value Approach, Asset Value Approach, DCF Model, Comparable<br>Company Analysis, Risk Adjusted Discount Rate Method, Dividend Discount Model, Usage of Past Transactions, Binomial Model, and others	Growth rate	0.00 ~ 1.00	The higher the growth rate, the higher the fair value
				Discount rate	8.01 ~ 18.10	The lower the discount rate, the higher the fair value
				Volatility	0.52 ~ 87.00	The higher the volatility, the higher the fair value fluctuation
Loans		1,504,468	DCF Model	Discount rate	3.75 ~ 9.61	The lower the discount<br><br>rate, the higher the fair value

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.3.1 Information about fair value measurements using unobservable inputs as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)	June 30, 2026
	Fair value		Valuation techniques	Unobservable inputs	Range of<br>unobservable<br>inputs (%)	Relationship of<br><br>unobservable inputs to fair<br>value
Derivatives held for trading:
Stock and index	~~W~~	185,417	DCF Model, Closed Form, FDM, Monte Carlo Simulation, Hull-White Model, Black-Scholes<br>Model, Binomial Model, Net Asset Value Method	Volatility of underlying asset	0.68 ~ 95.75	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient	-56.77 ~ 76.78	The higher the correlation coefficient, the higher the fair value fluctuation
Currency, interest rate, and others		35,426	DCF Model, Hull-White Model, Monte Carlo Simulation, Closed Form	Volatility	0.68 ~ 9.58	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient	16.85 ~ 100.00	The higher the correlation coefficient, the higher the fair value fluctuation
Financial assets at fair value through other comprehensive income:
Equity securities		1,900,837	DCF Model, Comparable Company Analysis, Risk Adjusted Discount Rate Method, IMV Model,<br>Income Approach, Net Asset Value Method, Market Value Approach, Tree Model, Monte Carlo Simulation, and others	Growth rate	0.00 ~ 1.00	The higher the growth rate, the higher the fair value
				Liquidation value	0.00	The higher the liquidation value, the higher the fair value
				Discount rate	6.72 ~ 18.06	The lower the discount rate, the higher the fair value
				Volatility	0.65 ~ 43.81	The higher the volatility, the higher the fair value fluctuation

	~~W~~	25,010,221

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.3.1 Information about fair value measurements using unobservable inputs as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)	June 30, 2026
	Fair value		Valuation techniques	Unobservable inputs	Range of<br>unobservable<br>inputs (%)		Relationship of<br><br>unobservable inputs to fair<br>value
Financial liabilities
Financial liabilities designated at fair value through profit or loss:
Derivative-linked securities	~~W~~	5,935,868	DCF Model, Closed Form, Monte Carlo Simulation, Black-Scholes Model, Hull-White Model,<br>Net Asset Value Method, and others	Volatility of underlying asset		0.63 ~ 84.92	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient		-56.77 ~ 100.00	The higher the correlation coefficient, the higher the fair value fluctuation
Derivatives held for trading:
Stock and index		31,166	DCF Model, Closed Form, Monte Carlo Simulation, Black-Scholes Model, Hull-White Model,<br>Net Asset Value Method, and others	Volatility of underlying asset		0.68 ~ 84.92	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient		-56.77 ~ 76.78	The higher the correlation coefficient, the higher the fair value fluctuation
Others		393,746	DCF Model, Hull-White Model, Monte Carlo Simulation, Closed Form	Volatility of underlying asset		0.63 ~ 24.09	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient		-24.76 ~ 100.00	The higher the correlation coefficient, the higher the fair value fluctuation

	~~W~~	6,360,780

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.3.1 Information about fair value measurements using unobservable inputs as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)	December 31, 2025
	Fair value		Valuation techniques	Unobservable inputs	Range of<br>unobservable<br>inputs (%)	Relationship of<br><br>unobservable inputs to fair<br>value
Financial assets
Financial assets at fair value through profit or loss:
Due from financial institutions	~~W~~	64,438	Hull-white Model	Volatility	0.50	The higher the volatility, the higher the fair value fluctuation
Debt securities		18,952,188	DCF Model, Closed Form, FDM, Monte Carlo Simulation, Hull-White Model, Black-Scholes<br>Model, Option Model, Binomial Model, Net Asset Value Method, Income Approach, Market Value Approach, and others	Growth rate	1.00 ~ 3.00	The higher the growth rate, the higher the fair value
				Volatility	0.50 ~ 63.60	The higher the volatility, the higher the fair value fluctuation
				Discount rate	1.86 ~ 12.88	The lower the discount rate, the higher the fair value
				Volatility of Stock price	10.00 ~ 34.17	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient	-57.80 ~ 100.00	The higher the correlation coefficient, the higher the fair value fluctuation
				Liquidation value	-1.00 ~ 1.00	The higher the liquidation value, the higher the fair value
				Recovery rate	40.00	The higher the recovery rate, the higher the fair value
				Rate of real estate price fluctuation	0.00	The higher the sale price of real estate, the higher the fair value
Equity securities		1,637,227	Income Approach, Market Value Approach, Asset Value Approach, DCF Model, Comparable<br>Company Analysis, Risk Adjusted Discount Rate Method, Dividend Discount Model, Usage of Past Transactions, Binomial Model, and others	Growth rate	0.00 ~ 1.00	The higher the growth rate, the higher the fair value
				Discount rate	7.22 ~ 14.92	The lower the discount rate, the higher the fair value
				Volatility	0.46 ~ 78.10	The higher the volatility, the higher the fair value fluctuation
Loans		1,231,012	DCF Model	Discount rate	5.27 ~ 8.93	The lower the discount rate, the higher the fair value

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.3.1 Information about fair value measurements using unobservable inputs as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)	December 31, 2025
	Fair value		Valuation techniques	Unobservable inputs	Range of<br>unobservable<br>inputs (%)	Relationship of<br>unobservable inputs to<br>fair<br>value
Derivatives held for trading:
Stock and index	~~W~~	191,383	DCF Model, Closed Form, FDM, Monte Carlo Simulation, Hull-White Model, Black-Scholes<br>Model, Binomial Model, Net Asset Value Method	Volatility of underlying asset	3.00 ~ 59.38	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient	-57.80 ~ 74.14	The higher the correlation coefficient, the higher the fair value fluctuation
Currency, interest rate, and others		21,795	DCF Model, Hull-White Model, Monte Carlo Simulation, Closed Form	Volatility	0.54 ~ 0.80	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient	14.91 ~ 100.00	The higher the correlation coefficient, the higher the fair value fluctuation
Financial assets at fair value through other comprehensive income:
Equity securities		1,808,149	DCF Model, Comparable Company Analysis, Risk Adjusted Discount Rate Method, IMV Model,<br>Income Approach, Net Asset Value Method, Market Approach, Tree Model, Monte Carlo Simulation, and others	Growth rate	0.00 ~ 1.00	The higher the growth rate, the higher the fair value
				Discount rate	4.82 ~ 17.33	The lower the discount rate, the higher the fair value
				Volatility	0.50 ~ 26.47	The higher the volatility, the higher the fair value fluctuation

	~~W~~	23,906,192

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.3.1 Information about fair value measurements using unobservable inputs as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)	December 31, 2025
	Fair value		Valuation techniques	Unobservable inputs	Range of<br>unobservable<br>inputs (%)		Relationship of<br><br>unobservable inputs to fair<br>value
Financial liabilities
Financial liabilities designated at fair value through profit or loss:
Derivative-linked securities	~~W~~	6,081,963	DCF Model, Closed Form, Monte Carlo Simulation, Black-Scholes Model, Hull-White Model,<br>Net Asset Value Method, and others	Volatility of underlying asset		0.54 ~ 60.16	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient		-57.80 ~ 100.00	The higher the correlation coefficient, the higher the fair value fluctuation
Derivatives held for trading:
Stock and index		45,370	DCF Model, Closed Form, Monte Carlo Simulation, Hull-White Model, Black-Scholes Model,<br>Net Asset Value Method, and others	Volatility of underlying asset		22.48 ~ 60.16	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient		-57.80 ~ 74.14	The higher the correlation coefficient, the higher the fair value fluctuation
Others		379,443	DCF Model, Hull-White Model, Monte Carlo Simulation, Closed Form	Discount rate		3.20	The lower the discount rate, the higher the fair value
				Volatility of underlying asset		0.54 ~ 23.36	The higher the volatility, the higher the fair value fluctuation
				Correlation coefficient		-24.89 ~ 100.00	The higher the correlation coefficient, the higher the fair value fluctuation

	~~W~~	6,506,776

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.3.2 Sensitivity analysis of changes in unobservable inputs

Sensitivity analysis of financial instruments is performed to measure favorable and unfavorable changes in fair value of financial instruments which are affected by unobservable parameters, using a statistical technique. When the fair value is affected by more than one input parameter, the amounts represent the most favorable or most unfavorable outcome. Level 3 financial instruments subject to sensitivity analysis are (a) loans, equity-related derivatives, currency-related derivatives, and interest rate related derivatives whose fair value changes are recognized in profit or loss, (b) financial liabilities designated at fair value through profit or loss, and (c) due from financial institutions, debt securities, equity securities, and loans whose fair value changes are recognized in profit or loss or other comprehensive income or loss.

Results of the sensitivity analysis of changes in unobservable inputs as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Profit or loss					Other comprehensive<br>income or loss
	Favorable<br>changes		Unfavorable<br>changes			Favorable<br>changes		Unfavorable<br>changes
Financial assets
Financial assets at fair value through profit or loss: ^1^
Due from financial institutions	~~W~~	17	~~W~~	(17	)	~~W~~	—	~~W~~	—
Debt securities ^4^		122,377		(121,178	)		—		—
Equity securities ^3^		46,794		(33,023	)		—		—
Loans ^5^		5,596		(5,289	)		—		—
Derivatives held for trading ^2^		12,226		(12,426	)		—		—
Financial assets at fair value through other comprehensive income:
Equity securities ^3^		—		—			30,178		(20,641	)

	~~W~~	187,010	~~W~~	(171,933	)	~~W~~	30,178	~~W~~	(20,641	)

Financial liabilities
Financial liabilities designated at fair value through profit or loss ^1^	~~W~~	20,496	~~W~~	(19,585	)	~~W~~	—	~~W~~	—
Derivatives held for trading ^2^		18,497		(18,901	)		—		—

	~~W~~	38,993	~~W~~	(38,486	)	~~W~~	—	~~W~~	—

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.3.2 Sensitivity analysis of changes in unobservable inputs (cont’d)

(In millions of Korean won)		December 31, 2025
		Profit or loss					Other comprehensive<br>income or loss
		Favorable<br>changes		Unfavorable<br>changes			Favorable<br>changes		Unfavorable<br>changes
Financial assets
Financial assets at fair value through profit or loss: ^1^
Due from financial institutions		~~W~~	11	~~W~~	(11	)	~~W~~	—	~~W~~	—
Debt securities ^4^			108,191		(107,444	)		—		—
Equity securities ^3^			38,454		(24,736	)		—		—
Loans ^5^			4,467		(3,416	)		—		—
Derivatives held for trading ^2^			6,820		(7,209	)		—		—
Financial assets at fair value through other comprehensive income:
Equity securities ^3^			—		—			57,358		(38,779	)

		~~W~~	157,943	~~W~~	(142,816	)	~~W~~	57,358	~~W~~	(38,779	)

Financial liabilities
Financial liabilities designated at fair value through profit or loss ^1^		~~W~~	14,921	~~W~~	(13,977	)	~~W~~	—	~~W~~	—
Derivatives held for trading ^2^			9,346		(10,111	)		—		—

		~~W~~	24,267	~~W~~	(24,088	)	~~W~~	—	~~W~~	—

^1^	For financial instruments at fair value through profit or loss, changes in fair value are calculated by<br>shifting principal unobservable input parameters such as discount rate, recovery rate, liquidation value, growth rate by ±1%p and volatility of underlying asset by ±1%p or ±10%.
:---	:---
^2^	For derivative financial instruments, changes in fair value are calculated by shifting principal unobservable<br>input parameters such as price of underlying asset and volatility by ±3% or ± 10%.
:---	:---
^3^	For equity securities, changes in fair value are calculated by shifting principal unobservable input parameters<br>such as discount rate (-1%p~1%p) and growth rate (-1%p~1%p).
:---	:---
^4^	For beneficiary certificates, it is practically impossible to analyze sensitivity of changes in unobservable<br>inputs. However, for beneficiary certificates whose underlying assets are real estates, changes in fair value are calculated by shifting rate of real estate price fluctuation by -1%p~1%p, and for beneficiary certificates whose underlying assets are<br>equity investments, changes in fair value are calculated by shifting principal unobservable input parameters such as liquidation value by -1%p~1%p and discount rate by -1%p~1%p.
:---	:---
^5^	For loans, changes in fair value are calculated by shifting principal unobservable input parameters such as<br>discount rate by -1%p~1%p.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.2.4 Valuation gains and losses on transaction day

When the Group measures the fair value of OTC derivatives using inputs that are not based on observable market data, there could be a difference between the transaction price and the amount determined using that valuation technique. In these circumstances, the fair value of financial instruments is recognized as the transaction price, and the difference is not recognized in profit or loss but deferred and amortized using the straight-line method over the life of the financial instrument. When the fair value of the financial instruments is subsequently determined using observable market inputs, the remaining deferred amount is recognized in profit or loss.

Changes in deferred valuation gains and losses on transaction day for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026			2025
Balance at the beginning of the period	~~W~~	32,734		~~W~~	12,140
New transactions		34,413			39,629
Changes during the period		(30,545	)		(20,126	)

Balance at the end of the period	~~W~~	36,602		~~W~~	31,643

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.3 Carrying Amount of Financial Instruments by Category

Financial assets and liabilities are measured at fair value or amortized cost. Carrying amount of financial assets and liabilities by category as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

	June 30, 2026
	Financial<br>instruments at<br>fair value<br>through profit<br>or loss		Financial<br>instruments at<br>fair value<br>through other<br>comprehensive<br>income		Financial<br>instruments<br>designated at<br>fair value<br>through other<br>comprehensive<br>income		Financial<br>instruments at<br>amortized cost		Derivatives<br>held for<br>hedging		Total
Financial assets
Cash and due from financial institutions	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	44,618,344	~~W~~	—	~~W~~	44,618,344
Financial assets at fair value through profit or loss		100,468,179		—		—		—		—		100,468,179
Derivative financial assets		12,373,751		—		—		—		593,737		12,967,488
Loans measured at amortized cost		—		—		—		505,398,999		—		505,398,999
Financial investments		—		92,494,078		5,192,114		39,512,672		—		137,198,864
Other financial assets		—		—		—		46,522,150		—		46,522,150

	~~W~~	112,841,930	~~W~~	92,494,078	~~W~~	5,192,114	~~W~~	636,052,165	~~W~~	593,737	~~W~~	847,174,024

(In millions of Korean won)

	June 30, 2026
	Financial<br>instruments at<br>fair value<br>through profit<br>or loss		Financial<br>instruments<br>designated at<br>fair value<br>through profit<br>or loss		Financial<br>instruments at<br>amortized cost		Derivatives<br>held for<br>hedging		Total
Financial liabilities
Financial liabilities at fair value through profit or loss	~~W~~	3,654,317	~~W~~	7,872,332	~~W~~	—	~~W~~	—	~~W~~	11,526,649
Derivative financial liabilities		12,165,105		—		—		1,226,048		13,391,153
Deposits		—		—		486,343,528		—		486,343,528
Borrowings		—		—		77,907,732		—		77,907,732
Debentures		—		—		80,462,793		—		80,462,793
Other financial liabilities *		—		—		74,446,950		—		74,446,950

	~~W~~	15,819,422	~~W~~	7,872,332	~~W~~	719,161,003	~~W~~	1,226,048	~~W~~	744,078,805

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6.3 Carrying Amount of Financial Instruments by Category (cont’d)

(In millions of Korean won)

	December 31, 2025
	Financial<br>instruments at<br>fair value<br>through profit<br>or loss		Financial<br>instruments at<br>fair value<br>through other<br>comprehensive<br>income		Financial<br>instruments<br>designated at<br>fair value<br>through other<br>comprehensive<br>income		Financial<br>instruments at<br>amortized cost		Derivatives<br>held for<br>hedging		Total
Financial assets
Cash and due from financial institutions	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	34,776,877	~~W~~	—	~~W~~	34,776,877
Financial assets at fair value through profit or loss		89,862,530		—		—		—		—		89,862,530
Derivative financial assets		7,748,371		—		—		—		429,685		8,178,056
Loans measured at amortized cost		—		—		—		491,978,044		—		491,978,044
Financial investments		—		95,307,502		4,611,983		35,067,192		—		134,986,677
Other financial assets		—		—		—		19,069,696		—		19,069,696

	~~W~~	97,610,901	~~W~~	95,307,502	~~W~~	4,611,983	~~W~~	580,891,809	~~W~~	429,685	~~W~~	778,851,880

(In millions of Korean won)

		December 31, 2025
		Financial<br>instruments at<br>fair value<br>through profit<br>or loss		Financial<br>instruments<br>designated at<br>fair value<br>through profit<br>or loss		Financial<br>instruments at<br>amortized cost		Derivatives<br>held for<br>hedging		Total
Financial liabilities
Financial liabilities at fair value through profit or loss		~~W~~	3,339,572	~~W~~	7,981,018	~~W~~	—	~~W~~	—	~~W~~	11,320,590
Derivative financial liabilities			7,687,305		—		—		546,984		8,234,289
Deposits			—		—		462,397,026		—		462,397,026
Borrowings			—		—		70,728,396		—		70,728,396
Debentures			—		—		80,049,270		—		80,049,270
Other financial liabilities *			—		—		40,469,257		—		40,469,257

		~~W~~	11,026,877	~~W~~	7,981,018	~~W~~	653,643,949	~~W~~	546,984	~~W~~	673,198,828

*	Other financial liabilities include lease liabilities that are not included in the category of financial<br>instruments measured at amortized cost.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

7. Due from Financial Institutions Measured at Amortized Cost

7.1 Details of due from financial institutions as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)			Financial institutions	Interest rate<br>(%)<br>as of<br>June 30,<br>2026	June 30,<br>2026		December 31,<br>2025
Due from financial institutions in Korean won		Due from the Bank of Korea	The Bank of Korea	—	~~W~~	13,653,862	~~W~~	13,939,438
		Due from banks	KEB Hana Bank and others	0.00 ~ 4.00		5,131,301		4,141,440
		Due from others	Korea Securities Finance Corporation and others	0.00 ~ 2.90		4,345,689		1,696,282

						23,130,852		19,777,160

Due from financial institutions in foreign currencies		Due from banks in foreign currencies	The Bank of Korea and others	0.00 ~ 4.75		14,506,688		9,115,862
		Time deposits in foreign currencies	Shinhan Bank Japan and others	0.00 ~ 10.25		421,542		405,700
		Due from others	Korea Securities Depository (KSD) and others	0.00 ~ 6.40		3,995,890		3,270,336
						18,924,120		12,791,898

					~~W~~	42,054,972	~~W~~	32,569,058

*	Before netting of allowance
:---	:---

7.2 Details of restricted due from financial institutions as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)			Financial institutions	June 30,<br>2026		December 31,<br>2025		Reasons of restriction
Due from financial institutions in Korean won		Due from the Bank of Korea	The Bank of Korea	~~W~~	13,653,862	~~W~~	13,939,438	Bank of Korea Act
		Due from banks	KEB Hana Bank and others		195,097		130,640	Pledges and others
		Due from others	Korea Securities Finance Corporation and others		4,189,254		1,630,914	Derivatives margin account and others

					18,038,213		15,700,992

Due from financial institutions in foreign currencies		Due from banks in foreign currencies	The Bank of Korea and others		10,176,915		3,392,616	Bank of Korea Act and others
		Time deposits in foreign currencies	BANK OF COMMUNICATIONS CO., LTD. (New York branch) and others		88,424		81,983	Bank Act of the State of New York and others
		Due from others	Korea Securities Depository (KSD) and others		3,702,954		3,002,267	Derivatives margin account and others

					13,968,293		6,476,866

				~~W~~	32,006,506	~~W~~	22,177,858

*	Before netting of allowance
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

7.3 Changes in allowances for credit losses of due from financial institutions for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		2026
		12-month<br>expected credit<br>losses				Lifetime expected credit losses
						Non-impaired				Impaired
Beginning		~~W~~	1,350			~~W~~	—			~~W~~	—
Transfer between stages:
Transfer to 12-month expected credit losses			—				—				—
Transfer to lifetime expected credit losses			—				—				—
Impairment			—				—				—
Provision for credit losses			1,347				—				—
Others			4				—				—

Ending		~~W~~	2,701			~~W~~	—			~~W~~	—

(In millions of Korean won)		2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---
		12-month<br>expected credit<br>losses				Lifetime expected credit losses
						Non-impaired				Impaired
Beginning		~~W~~	1,572			~~W~~	—			~~W~~	—
Transfer between stages:
Transfer to 12-month expected credit losses			—				—				—
Transfer to lifetime expected credit losses			—				—				—
Impairment			—				—				—
Reversal of credit losses			(6	)			—				—
Others			(78	)			—				—

Ending		~~W~~	1,488			~~W~~	—			~~W~~	—

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8. Derivative Financial Instruments and Hedge Accounting

The Group’s derivative operations focus on addressing the needs of the Group’s corporate clients to hedge their risk exposure and hedging the Group’s risk exposure that results from such client contracts. The Group also engages in derivative trading activities to hedge the interest rate risk and currency risk arising from the Group’s own assets and liabilities. In addition, the Group engages in proprietary trading of derivatives within the predetermined transaction limit.

The Group provides and trades a range of derivative financial instruments, including:

•	Interest rate swaps relating to interest rate risk in Korean won
•	Cross-currency swaps, forwards, and options relating to currency risk
:---	:---
•	Stock index options linked with the Korea Composite Stock Price Index (“KOSPI”)
:---	:---

In particular, the Group applies fair value hedge accounting using interest rate swaps, currency forwards, and others to hedge the risk of changes in fair value due to the changes in interest rate and foreign exchange rate of structured debentures in Korean won, debentures in foreign currencies, structured deposits in foreign currencies, and others. The Group applies cash flow hedge accounting using interest rate swaps, currency swaps, and others to hedge the risk of changes in cash flows of floating rate debt securities in Korean won, borrowings in foreign currencies, group of loans measured at amortized cost, and others. In addition, the Group applies net investments in foreign operations hedge accounting by designating debentures in foreign currencies and cross currency forwards as hedging instruments to hedge the currency risk of net investments in foreign operations.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8.1 Details of derivative financial instruments held for trading as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

		June 30, 2026						December 31, 2025
		Notional amount		Assets		Liabilities		Notional amount		Assets		Liabilities
Interest rate
Forwards		~~W~~	20,966,889	~~W~~	2,235,724	~~W~~	1,120,493	~~W~~	24,101,504	~~W~~	963,680	~~W~~	629,846
Futures*			4,787,804		865		394		5,703,719		458		1,340
Swaps			268,041,799		897,661		820,036		266,475,478		447,025		632,389
Options			6,130,891		197,445		207,717		6,376,000		185,054		149,207

			299,927,383		3,331,695		2,148,640		302,656,701		1,596,217		1,412,782

Currency
Forwards			179,151,805		5,604,701		3,041,185		137,979,537		3,320,819		1,774,894
Futures*			594,037		1,557		25		825,744		728		20
Swaps			70,049,896		2,677,593		5,421,432		70,367,044		2,316,840		3,679,947
Options			2,111,205		16,263		22,191		1,741,288		10,700		11,361

			251,906,943		8,300,114		8,484,833		210,913,613		5,649,087		5,466,222

Stock and index
Forwards			228,382		7,949		—		—		—		—
Futures*			9,487,071		711		11,575		3,577,413		396		6,881
Swaps			10,282,095		440,163		732,204		6,129,959		237,117		380,095
Options			3,991,972		198,377		496,016		2,518,452		209,753		162,989

			23,989,520		647,200		1,239,795		12,225,824		447,266		549,965

Credit
Swaps			6,499,499		39,569		27,212		5,265,645		35,971		26,470

			6,499,499		39,569		27,212		5,265,645		35,971		26,470

Commodity
Futures*			73,059		332		6,377		81,631		1,056		1,949
Swaps			544,482		45,376		44,853		568,778		10,572		10,185
Options			36,432		20		20		101,737		3,072		3,109

			653,973		45,728		51,250		752,146		14,700		15,243

Others			1,225,102		9,445		213,375		824,241		5,130		216,623

		~~W~~	584,202,420	~~W~~	12,373,751	~~W~~	12,165,105	~~W~~	532,638,170	~~W~~	7,748,371	~~W~~	7,687,305

*	Gains or losses arising from daily<br>mark-to-market futures are reflected in the margin accounts.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8.2 Average price conditions of future nominal cash flows by type of hedge accounting as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	1 year		2 years		3 years		4 years		5 years		Over<br>5 years		Total
Fair value hedge
Nominal amount of the hedging instrument	~~W~~	4,074,553	~~W~~	1,999,905	~~W~~	1,189,685	~~W~~	1,086,919	~~W~~	712,876	~~W~~	555,713	~~W~~	9,619,651
Average price condition (%)		3.76		2.96		4.93		3.14		3.10		3.39		3.56
Average price condition (USD/KRW)		1,410.04		1,448.13		1,413.70		—		—		—		1,415.44
Average price condition (EUR/KRW)		1,552.05		—		—		—		—		—		1,552.05
Average price condition (AUD/KRW)		939.48		1,050.00		—		—		—		—		946.54
Average price condition (GBP/KRW)		1,869.01		—		—		—		—		—		1,869.01
Cash flow hedge
Nominal amount of the hedging instrument	~~W~~	3,992,935	~~W~~	4,354,530	~~W~~	3,572,410	~~W~~	928,892	~~W~~	1,100,414	~~W~~	46,245	~~W~~	13,995,426
Average price condition (%)		3.09		4.34		3.42		3.20		3.65		—		3.78
Average price condition (USD/KRW)		1,346.61		1,372.58		1,442.44		1,439.49		1,437.58		1,477.67		1,401.73
Average price condition (EUR/KRW)		1,535.03		1,392.00		1,619.00		1,747.48		1,710.00		—		1,692.53
Average price condition (AUD/KRW)		1,003.50		932.60		—		—		—		—		986.45
Average price condition (CNY/KRW)		—		218.40		—		—		—		—		218.40
Hedge of net investments in foreign operations
Nominal amount of the hedging instrument	~~W~~	248,182	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	248,182
Average price condition (USD/KRW)		1,178.92		—		—		—		—		—		1,178.92

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8.2 Average price conditions of future nominal cash flows by type of hedge accounting as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)	December 31, 2025
	1 year		2 years		3 years		4 years		5 years		Over<br>5 years		Total
Fair value hedge
Nominal amount of the hedging instrument	~~W~~	5,146,871	~~W~~	402,995	~~W~~	94,321	~~W~~	880,581	~~W~~	1,531,878	~~W~~	570,923	~~W~~	8,627,569
Average price condition (%)		3.67		4.31		4.85		5.92		2.96		3.73		3.86
Average price condition (USD/KRW)		1,362.39		1,356.40		—		—		—		—		1,362.03
Average price condition (EUR/KRW)		1,556.92		1,481.21		—		—		—		—		1,541.37
Average price condition (AUD/KRW)		911.05		—		—		—		—		—		911.05
Average price condition (GBP/KRW)		1,862.01		—		—		—		—		—		1,862.01
Cash flow hedge
Nominal amount of the hedging instrument	~~W~~	3,715,273	~~W~~	3,779,416	~~W~~	3,059,931	~~W~~	1,172,452	~~W~~	578,761	~~W~~	—	~~W~~	12,305,833
Average price condition (%)		3.46		4.37		3.96		3.47		—		—		3.94
Average price condition (USD/KRW)		1,264.42		1,433.62		1,344.27		1,353.74		1,411.82		—		1,351.96
Average price condition (EUR/KRW)		1,501.00		1,560.67		1,505.50		—		—		—		1,526.90
Average price condition (AUD/KRW)		896.73		932.6		—		—		—		—		905.35
Hedge of net investments in foreign operations
Nominal amount of the hedging instrument	~~W~~	242,498	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	242,498
Average price condition (USD/KRW)		1,173.81		—		—		—		—		—		1,173.81

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8.3 Fair Value Hedge

8.3.1 Details of fair value hedged items as of June 30, 2026 and December 31, 2025 and changes in fair value for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		June 30, 2026										2026
		Carrying amount				Accumulated amount of<br>hedge adjustments						Changes in<br>fair value
		Assets		Liabilities		Assets			Liabilities
Hedge accounting
Interest rate	Debt securities in Korean won	~~W~~	1,415,298	~~W~~	—	~~W~~	(8,480	)	~~W~~	—		~~W~~	(16,255	)
	Debt securities in foreign currencies		1,051,008		—		(3,544	)		—			(3,906	)
	Deposits in Korean won		—		189,480		—			(520	)		7,385
	Deposits in foreign currencies		—		1,394,394		—			(3,652	)		2,182
	Debentures in Korean won		—		2,057,927		—			(152,073	)		34,698
	Debentures in foreign currencies		—		860,507		—			(33,563	)		10,479

			2,466,306		4,502,308		(12,024	)		(189,808	)		34,583

Currency	Debt securities in foreign currencies		2,215,991		—		515,688			—			189,534

			2,215,991		—		515,688			—			189,534

		~~W~~	4,682,297	~~W~~	4,502,308	~~W~~	503,664		~~W~~	(189,808	)	~~W~~	224,117

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8.3.1 Details of fair value hedged items as of June 30, 2026 and December 31, 2025 and changes in fair value for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)		December 31, 2025										2025
		Carrying amount				Accumulated amount of<br>hedge adjustments						Changes in<br>fair value
		Assets		Liabilities		Assets			Liabilities
Hedge accounting
Interest rate	Debt securities in Korean won	~~W~~	1,516,538	~~W~~	—	~~W~~	(5,529	)	~~W~~	—		~~W~~	4,328
	Debt securities in foreign currencies		1,285,924		—		(628	)		—			28,287
	Deposits in Korean won		—		196,865		—			6,865			(10,001	)
	Deposits in foreign currencies		—		1,044,993		—			(1,334	)		(4,455	)
	Debentures in Korean won		—		1,342,625		—			(117,375	)		(23,335	)
	Debentures in foreign currencies		—		809,157		—			(23,085	)		(23,942	)

			2,802,462		3,393,640		(6,157	)		(134,929	)		(29,118	)

Currency	Debt securities in foreign currencies		1,539,305		—		365,464			—			(132,757	)

			1,539,305		—		365,464			—			(132,757	)

		~~W~~	4,341,767	~~W~~	3,393,640	~~W~~	359,307		~~W~~	(134,929	)	~~W~~	(161,875	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8.3.2 Details of derivative instruments designated as fair value hedge as of June 30, 2026 and December 31, 2025 and changes in fair value for the
six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)
	June 30, 2026						2026
	Notional<br>amount		Carrying amount				Changes in<br>fair value
			Assets		Liabilities
Interest rate
Futures	~~W~~	156,462	~~W~~	—	~~W~~	—	~~W~~	9,815
Swaps		7,021,783		87,546		29,802		(55,225	)

		7,178,245		87,546		29,802		(45,410	)
Currency
Forwards		2,441,406		460		205,172		(198,277	)

	~~W~~	9,619,651	~~W~~	88,006	~~W~~	234,974	~~W~~	(243,687	)

	December 31, 2025						2025
	Notional<br>amount		Carrying amount				Changes in<br>fair value
			Assets		Liabilities
Interest rate
Futures	~~W~~	1,007,300	~~W~~	—	~~W~~	—	~~W~~	6,114
Swaps		5,336,065		89,917		17,610		21,808

		6,343,365		89,917		17,610		27,922
Currency
Forwards		2,284,204		4,563		107,590		93,907

	~~W~~	8,627,569	~~W~~	94,480	~~W~~	125,200	~~W~~	121,829

8.3.3 Details of hedge ineffectiveness recognized in profit or loss on derivative instruments designated as fair value hedge for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)
	2026			2025
Hedge accounting
Interest rate	~~W~~	(10,827	)	~~W~~	(1,196	)
Currency		(8,743	)		(38,850	)

	~~W~~	(19,570	)	~~W~~	(40,046	)

8.3.4 Gains or losses on fair value hedging instruments and hedged items attributable to the hedged for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026			2025
Gains (losses) on hedging instruments	~~W~~	(243,687	)	~~W~~	121,829
Gains (losses) on hedged items attributable to the hedged risk		224,259			(169,607	)

	~~W~~	(19,428	)	~~W~~	(47,778	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8.4 Cash Flow Hedge

8.4.1 Details of cash flow hedged items as of June 30, 2026 and December 31, 2025 and changes in fair value for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)

	Cash flow hedge reserve						Changes in fair value
	June 30,<br>2026			December 31,<br>2025			2026			2025
Hedge accounting
Interest rate risk	~~W~~	(626,186	)	~~W~~	(102,432	)	~~W~~	665,380		~~W~~	40,048
Currency risk		(16,006	)		(55,080	)		(95,987	)		223,234

	~~W~~	(642,192	)	~~W~~	(157,512	)	~~W~~	569,393		~~W~~	263,282

8.4.2 Details of derivative instruments designated as cash flow hedge as of June 30, 2026 and December 31, 2025 and changes in fair value for the
six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)

	June 30, 2026						2026
	Notional<br>amount		Assets		Liabilities		Changes in<br>fair value
Interest rate
Forwards	~~W~~	4,245,254	~~W~~	628	~~W~~	819,407	~~W~~	(683,383	)
Swaps		3,198,670		33,658		2,907		18,065

	~~W~~	7,443,924	~~W~~	34,286	~~W~~	822,314	~~W~~	(665,318	)

Currency
Swaps		6,551,502		471,445		168,760		109,499

	~~W~~	13,995,426	~~W~~	505,731	~~W~~	991,074	~~W~~	(555,819	)

(In millions of Korean won)

	December 31, 2025						2025
	Notional<br>amount		Assets		Liabilities		Changes in<br>fair value
Interest rate
Forwards	~~W~~	3,947,019	~~W~~	37,218	~~W~~	234,722	~~W~~	(8,400	)
Swaps		2,849,228		25,753		13,343		(30,935	)

	~~W~~	6,796,247	~~W~~	62,971	~~W~~	248,065	~~W~~	(39,335	)

Currency
Swaps		5,509,586		272,234		170,808		(240,263	)

	~~W~~	12,305,833	~~W~~	335,205	~~W~~	418,873	~~W~~	(279,598	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8.4.3 Gains or losses on cash flow hedging instruments and hedged items attributable to the hedged risk for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026			2025
Gains (losses) on hedging instruments:	~~W~~	(555,819	)	~~W~~	(279,598	)
Effective portion of gains (losses) on cash flow hedging instruments (recognized in other<br>comprehensive income or loss)		(557,842	)		(283,083	)
Ineffective portion of gains on cash flow hedging instruments (recognized in profit or<br>loss)		2,023			3,485

8.4.4 Amounts recognized in other comprehensive income (loss) and reclassified from equity to profit or loss related to derivative instruments designated as cash allow hedge for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026			2025
Other comprehensive income (loss)	~~W~~	(557,842	)	~~W~~	(283,083	)
Reclassification to profit or loss		(115,317	)		241,977
Income tax effect		174,685			10,831

	~~W~~	(498,474	)	~~W~~	(30,275	)

8.5 Hedge of Net Investments in Foreign Operations

8.5.1 Details of net investments in foreign operations hedged items as of June 30, 2026 and December 31, 2025 and changes in fair value for the
six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	Foreign currency<br>translation reserve						Changes in fair value
	June 30,<br>2026			December 31,<br>2025			2026		2025
Hedge accounting
Currency risk	~~W~~	(389,556	)	~~W~~	(276,478	)	~~W~~	155,970	~~W~~	(172,547	)

8.5.2 Details of financial instruments designated as hedge of net investments in foreign operations as of June 30, 2026 and December 31, 2025 and changes in fair value for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	June 30, 2026						2026
	Notional<br>amount		Assets		Liabilities		Changes in<br>fair value
Currency
Forwards	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	2,911
Debentures in foreign currencies		2,346,356		—		2,346,218		(158,881	)

	~~W~~	2,346,356	~~W~~	—	~~W~~	2,346,218	~~W~~	(155,970	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

(In millions of Korean won)	December 31, 2025						2025
	Notional<br>amount		Assets		Liabilities		Changes in<br>fair value
Currency
Forwards	~~W~~	11,479	~~W~~	—	~~W~~	2,911	~~W~~	1,769
Debentures in foreign currencies		2,203,306		—		2,203,005		170,778

	~~W~~	2,214,785	~~W~~	—	~~W~~	2,205,916	~~W~~	172,547

8.5.3 Fair value of non-derivative financial instruments designated as hedge of net investments in foreign operations as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026				December 31,<br>2025
Debentures in foreign currencies		~~W~~	2,252,337			~~W~~	2,186,490

8.5.4 Gains or losses on net investments in foreign operations hedging instruments and hedged items attributable to the hedged risk for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026			2025
Gains (losses) on hedging instruments:	~~W~~	(155,970	)	~~W~~	172,547
Effective portion of gains(losses) on hedge of net investments in foreign operations (recognized<br>in other comprehensive income or loss)		(155,970	)		172,547
Ineffective portion of losses on hedge of net investments in foreign operations (recognized in<br>profit or loss)		—			—

8.5.5 Effective portion of gains or losses on net investments in foreign operations hedging instruments recognized in other comprehensive income (loss) for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026			2025
Other comprehensive loss	~~W~~	(155,970	)	~~W~~	172,547
Reclassification to profit or loss		—			—
Income tax effect		42,892			(45,553	)

	~~W~~	(113,078	)	~~W~~	126,994

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

9. Loans Measured at Amortized Cost

9.1 Details of loans as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Loans measured at amortized cost	~~W~~	510,347,443		~~W~~	496,800,668
Deferred loan origination fees and costs		565,249			583,572
Less: Allowances for credit losses		(5,513,693	)		(5,406,196	)

	~~W~~	505,398,999		~~W~~	491,978,044

9.2 Details of loans to banks as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Loans measured at amortized cost	~~W~~	8,133,885		~~W~~	8,761,115
Less: Allowances for credit losses		(3,454	)		(2,039	)

	~~W~~	8,130,431		~~W~~	8,759,076

9.3 Details of loan types and customer types of loans to customers other than banks as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Retail			Corporate			Credit card			Total
Loans in Korean won	~~W~~	197,261,060		~~W~~	221,526,964		~~W~~	—		~~W~~	418,788,024
Loans in foreign currencies		6,598,538			27,891,905			—			34,490,443
Domestic import usance bills		—			4,898,960			—			4,898,960
Off-shore funding loans		—			1,179,716			—			1,179,716
Bills bought in Korean won		—			283,550			—			283,550
Bills bought in foreign currencies		—			3,266,488			—			3,266,488
Guarantee payments under acceptances and guarantees		—			4,820			—			4,820
Credit card receivables in Korean won		—			—			23,091,500			23,091,500
Credit card receivables in foreign currencies		—			—			30,421			30,421
Bonds purchased under repurchase agreements		—			7,544,409			—			7,544,409
Privately placed bonds		—			458,588			—			458,588
Factored receivables		6,844			76,761			—			83,605
Lease receivables		466,351			84,624			—			550,975
Loans for installment credit		7,032,583			1,074,725			—			8,107,308

		211,365,376			268,291,510			23,121,921			502,778,807

Proportion (%)		42.04			53.36			4.60			100.00
Less: Allowances for credit losses		(1,578,417	)		(3,195,209	)		(736,613	)		(5,510,239	)

	~~W~~	209,786,959		~~W~~	265,096,301		~~W~~	22,385,308		~~W~~	497,268,568

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

9.3 Details of loan types and customer types of loans to customers other than banks as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)	December 31, 2025
	Retail			Corporate			Credit card			Total
Loans in Korean won	~~W~~	195,458,599		~~W~~	213,386,102		~~W~~	—		~~W~~	408,844,701
Loans in foreign currencies		6,139,413			26,054,287			—			32,193,700
Domestic import usance bills		—			3,576,639			—			3,576,639
Off-shore funding loans		—			959,102			—			959,102
Call loans		—			450,000			—			450,000
Bills bought in Korean won		—			1,691			—			1,691
Bills bought in foreign currencies		—			2,611,182			—			2,611,182
Guarantee payments under acceptances and guarantees		—			5,414			—			5,414
Credit card receivables in Korean won		—			—			23,103,760			23,103,760
Credit card receivables in foreign currencies		—			—			31,326			31,326
Bonds purchased under repurchase agreements		—			8,084,671			—			8,084,671
Privately placed bonds		—			390,175			—			390,175
Factored receivables		3,563			77,811			—			81,374
Lease receivables		429,444			82,883			—			512,327
Loans for installment credit		6,853,732			923,331			—			7,777,063

		208,884,751			256,603,288			23,135,086			488,623,125

Proportion (%)		42.75			52.52			4.73			100.00
Less: Allowances for credit losses		(1,500,254	)		(3,187,999	)		(715,904	)		(5,404,157	)

	~~W~~	207,384,497		~~W~~	253,415,289		~~W~~	22,419,182		~~W~~	483,218,968

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

10. Allowances for Credit Losses

10.1 Changes in allowances for credit losses of loans measured at amortized cost for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Retail									Corporate									Credit card
	12-month<br>expected<br>credit losses			Lifetime expected credit<br>losses						12-month<br>expected<br>credit losses			Lifetime expected credit<br>losses						12-month<br>expected<br>credit losses			Lifetime expected credit<br>losses
				Not<br>impaired			Impaired						Not impaired			Impaired						Not<br>impaired			Impaired
Beginning	~~W~~	579,327		~~W~~	272,474		~~W~~	648,453		~~W~~	935,287		~~W~~	907,707		~~W~~	1,347,044		~~W~~	185,473		~~W~~	369,576		~~W~~	160,855
Transfer between stages:
Transfer to 12-month expected credit losses		80,587			(74,454	)		(6,133	)		84,916			(45,336	)		(39,580	)		65,636			(65,448	)		(188	)
Transfer to lifetime expected credit losses		(67,663	)		95,794			(28,131	)		(80,854	)		116,096			(35,242	)		(23,260	)		24,340			(1,080	)
Impairment		(9,511	)		(60,543	)		70,054			(40,048	)		(282,459	)		322,507			(2,257	)		(18,936	)		21,193
Write-offs		—			(1	)		(299,361	)		—			(12	)		(333,569	)		—			—			(284,972	)
Sales		(8,754	)		(1,172	)		(32,766	)		(35	)		(1,139	)		(107,989	)		(7	)		(9,992	)		(40,518	)
Provision (reversal) for credit losses<br>^1,2^		(15,530	)		41,360			386,462			21,521			133,418			262,804			(11,013	)		23,306			354,361
Others (exchange differences, etc.)		1,117			893			5,915			5,871			11,595			16,160			(4	)		(4	)		(10,448	)

Ending	~~W~~	559,573		~~W~~	274,351		~~W~~	744,493		~~W~~	926,658		~~W~~	839,870		~~W~~	1,432,135		~~W~~	214,568		~~W~~	322,842		~~W~~	199,203

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

10.1 Changes in allowances for credit losses of loans measured at amortized cost for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Retail									Corporate									Credit card
	12-month<br>expected<br>credit losses			Lifetime expected credit<br>losses						12-month<br>expected<br>credit losses			Lifetime expected credit<br>losses						12-month<br>expected<br>credit losses			Lifetime expected credit<br>losses
				Not<br>impaired			Impaired						Not impaired			Impaired						Not<br>impaired			Impaired
Beginning	~~W~~	607,351		~~W~~	331,435		~~W~~	649,031		~~W~~	913,140		~~W~~	923,564		~~W~~	1,332,119		~~W~~	240,434		~~W~~	372,640		~~W~~	263,666
Transfer between stages:
Transfer to 12-month expected credit losses		89,696			(78,664	)		(11,032	)		159,313			(154,447	)		(4,866	)		41,158			(40,991	)		(167	)
Transfer to lifetime expected credit losses		(69,562	)		96,022			(26,460	)		(172,784	)		212,844			(40,060	)		(34,372	)		35,066			(694	)
Impairment		(11,085	)		(80,199	)		91,284			(4,381	)		(149,083	)		153,464			(2,714	)		(17,050	)		19,764
Write-offs		—			—			(331,123	)		—			(3	)		(312,048	)		—			—			(282,357	)
Sales		(807	)		(1,789	)		(35,403	)		(43	)		(2,121	)		(122,782	)		(1,798	)		(56,068	)		(89,155	)
Provision (reversal) for credit losses<br>^1,2^		(3,903	)		33,526			388,148			2,961			134,344			513,119			(13,991	)		73,232			331,022
Others (exchange differences, etc.)		(3,373	)		(874	)		(29,183	)		(12,504	)		(8,731	)		(96,847	)		(84	)		(66	)		(18,791	)

Ending	~~W~~	608,317		~~W~~	299,457		~~W~~	695,262		~~W~~	885,702		~~W~~	956,367		~~W~~	1,422,099		~~W~~	228,633		~~W~~	366,763		~~W~~	223,288

^1^	Provision for credit losses in the consolidated statements of comprehensive income also includes provision<br>(reversal) for credit losses of due from financial institutions (Note 7.3), provision (reversal) for credit losses of debt securities (Note 11.5), provision (reversal) for credit losses of unused commitments, acceptances and guarantees (Note 17.2),<br>provision (reversal) for credit losses of financial guarantee contracts (Note 17.3), and provision (reversal) for credit losses of other financial assets.
:---	:---
^2^	Includes ~~W~~ 251,393 million and ~~W~~ 184,905 million of collections<br>from written-off loans for the six-month periods ended June 30, 2026 and 2025, respectively.
:---	:---

The amount of financial assets that the Group wrote off during the current year but is continuing recovery activities is ~~W~~ 898,855 million and ~~W~~ 925,531 million for the six-month periods ended June 30, 2026 and 2025, respectively. Also, the Group manages the written-off loans that their legal extinctive prescriptions have not been completed, and that have not been collected. The balances of those loans are ~~W~~ 11,799,493 million and ~~W~~ 11,292,023 million as of June 30, 2026 and December 31, 2025, respectively.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

10.2 Changes in gross carrying amount of loans for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		2026
		12-month<br>expected<br>credit losses				Lifetime expected credit losses
						Not impaired				Impaired
Beginning		~~W~~	445,890,120			~~W~~	46,967,201			~~W~~	4,526,919
Transfer between stages:
Transfer to 12-month expected credit losses			12,244,593				(10,919,181	)			(1,325,412	)
Transfer to lifetime expected credit losses (not impaired)			(14,835,572	)			15,131,080				(295,508	)
Transfer to lifetime expected credit losses (impaired)			(1,824,149	)			(2,236,809	)			4,060,958
Write-offs			—				(13	)			(917,902	)
Sales			(1,828,461	)			(65,792	)			(729,111	)
Net increase (decrease)<br><br>(execution, repayment, and others)			18,412,664				(1,043,576	)			(299,357	)

Ending		~~W~~	458,059,195			~~W~~	47,832,910			~~W~~	5,020,587

(In millions of Korean won)		2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---
		12-month<br>expected<br>credit losses				Lifetime expected credit losses
						Not impaired				Impaired
Beginning		~~W~~	431,753,998			~~W~~	40,940,591			~~W~~	5,010,631
Transfer between stages:
Transfer to 12-month expected credit losses			14,105,604				(14,057,376	)			(48,228	)
Transfer to lifetime expected credit losses (not impaired)			(25,662,599	)			26,545,637				(883,038	)
Transfer to lifetime expected credit losses (impaired)			(578,510	)			(2,688,758	)			3,267,268
Write-offs			—				(3	)			(925,528	)
Sales			(584,624	)			(180,396	)			(867,167	)
Net increase (decrease)<br><br>(execution, repayment, and others)			12,307,068				(2,967,068	)			(554,169	)

Ending		~~W~~	431,340,937			~~W~~	47,592,627			~~W~~	4,999,769

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

11. Financial Assets at Fair Value through Profit or Loss and Financial Investments

11.1 Details of financial assets at fair value through profit or loss and financial investments as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Financial assets at fair value through profit or loss
Debt securities:
Government and public bonds	~~W~~	13,736,308		~~W~~	12,700,497
Financial bonds		12,496,986			13,649,186
Corporate bonds		8,977,294			8,116,539
Asset-backed securities		9,602			30,000
Beneficiary certificates		25,788,365			24,898,393
Derivative-linked securities		2,197,821			2,161,288
Other debt securities		21,766,016			18,997,445
Equity securities:
Stocks		13,234,277			7,258,897
Other equity securities		292,043			342,556
Loans:
Privately placed bonds		464,591			227,391
Other loans		1,039,877			1,003,621
Due from financial institutions:
Other due from financial institutions		63,347			64,438
Others		401,652			412,279

	~~W~~	100,468,179		~~W~~	89,862,530

Financial investments
Financial assets at fair value through other comprehensive income
Debt securities:
Government and public bonds	~~W~~	43,342,949		~~W~~	43,782,588
Financial bonds		21,735,335			23,991,331
Corporate bonds		22,735,445			23,215,390
Asset-backed securities		2,372,691			2,163,313
Other debt securities		138,240			159,797
Equity securities:
Stocks		1,722,237			1,808,906
Equity investments		46,905			16,144
Other equity securities		3,422,972			2,786,933
Loans:
Privately placed bonds		2,169,418			1,995,083

		97,686,192			99,919,485

Financial assets at amortized cost
Debt securities:
Government and public bonds		4,059,648			4,944,116
Financial bonds		17,812,497			13,817,271
Corporate bonds		10,407,213			8,698,069
Asset-backed securities		7,177,047			7,551,248
Other debt securities		73,802			73,785
Less: Allowances for credit losses		(17,535	)		(17,297	)

		39,512,672			35,067,192

	~~W~~	137,198,864		~~W~~	134,986,677

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

11.2 Dividend income from equity securities designated at fair value through other comprehensive income for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		2026				2025
		From the<br>equity<br>securities<br>derecognized		From the<br>equity<br>securities<br>held		From the<br>equity<br>securities<br>derecognized		From the<br>equity<br>securities<br>held
Equity securities measured at fair value through other comprehensive income:
Stocks	Listed	~~W~~	1,054	~~W~~	10,711	~~W~~	109	~~W~~	10,734
	Unlisted		—		21,485		—		15,194
Equity investments			—		—		—		302
Other equity securities			1,647		74,637		289		53,501

		~~W~~	2,701	~~W~~	106,833	~~W~~	398	~~W~~	79,731

11.3 Derecognized equity securities measured at fair value through other comprehensive income for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		2026				2025
		Disposal<br>price		Accumulated other<br>comprehensive<br>income (loss)<br>as of<br>disposal date		Disposal<br>price		Accumulated other<br>comprehensive<br>income (loss)<br>as of<br>disposal date
Equity securities measured at fair value through other comprehensive income:
Stocks	Listed	~~W~~	39,439	~~W~~	3,759	~~W~~	10,517	~~W~~	(6,835	)
	Unlisted		—		—		2,248		609
Other equity securities			150,518		27		96,066		(647	)

		~~W~~	189,957	~~W~~	3,786	~~W~~	108,831	~~W~~	(6,873	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

11.4 Provision (reversal) for credit losses of financial investments for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Provision		Reversal			Total
Securities measured at fair value through other comprehensive income	~~W~~	5,032	~~W~~	(3,622	)	~~W~~	1,410
Loans measured at fair value through other comprehensive income		232		—			232
Securities measured at amortized cost		3,550		(3,337	)		213

	~~W~~	8,814	~~W~~	(6,959	)	~~W~~	1,855

(In millions of Korean won)	2025
	Provision		Reversal			Total
Securities measured at fair value through other comprehensive income	~~W~~	3,856	~~W~~	(4,669	)	~~W~~	(813	)
Loans measured at fair value through other comprehensive income		84		—			84
Securities measured at amortized cost		1,196		(2,996	)		(1,800	)

	~~W~~	5,136	~~W~~	(7,665	)	~~W~~	(2,529	)

11.5 Changes in allowances for credit losses of financial investments for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	12-month expected<br>credit losses			Lifetime expected credit losses
				Not impaired		Impaired
Beginning	~~W~~	41,152		~~W~~	—	~~W~~	81
Transfer between stages:
Transfer to 12-month expected credit losses		—			—		—
Transfer to lifetime expected credit losses		—			—		—
Sales		(2,016	)		—		—
Reversal for credit losses		1,855			—		—
Others		911			—		—

Ending	~~W~~	41,902		~~W~~	—	~~W~~	81

(In millions of Korean won)	2025
	12-month expected<br>credit losses			Lifetime expected credit losses
				Not impaired		Impaired
Beginning	~~W~~	43,031		~~W~~	—	~~W~~	82
Transfer between stages:
Transfer to 12-month expected credit losses		—			—		—
Transfer to lifetime expected credit losses		—			—		—
Sales		(1,984	)		—		—
Provision for credit losses		(2,528	)		—		(1	)
Others		(438	)		—		—

Ending	~~W~~	38,081		~~W~~	—	~~W~~	81

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

12. Deferred Income Tax Assets and Liabilities

Details of deferred income tax assets and liabilities as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Assets			Liabilities			Net amount
Other provisions	~~W~~	258,528		~~W~~	—		~~W~~	258,528
Allowances for credit losses		43,655			(1,826	)		41,829
Impairment losses of property and equipment		11,167			(744	)		10,423
Interest on equity-indexed deposits		792			—			792
Share-based payments		44,725			—			44,725
Provisions for acceptances and guarantees		15,812			(532	)		15,280
Gains or losses on valuation of derivatives		514,212			(685,653	)		(171,441	)
Present value discount		12,528			(162	)		12,366
Gains or losses on fair value hedge		—			(52,088	)		(52,088	)
Accrued interest		(31	)		(300,768	)		(300,799	)
Deferred loan origination fees and costs		17,232			(203,203	)		(185,971	)
Advanced depreciation provision		—			(4,170	)		(4,170	)
Gains or losses on revaluation		327			(283,089	)		(282,762	)
Investments in subsidiaries and others		92,680			(318,838	)		(226,158	)
Gains or losses on valuation of security investment		3,018,423			(862,210	)		2,156,213
Defined benefit liabilities		602,299			—			602,299
Accrued expenses		282,580			—			282,580
Retirement insurance expense		—			(651,325	)		(651,325	)
Adjustments to the prepaid contributions		—			(94,076	)		(94,076	)
Derivative-linked securities		23,341			(26,501	)		(3,160	)
Others *		1,281,966			(4,793,878	)		(3,511,912	)

		6,220,236			(8,279,063	)		(2,058,827	)

Offsetting of deferred income tax assets and liabilities		(6,036,374	)		6,036,374			—

	~~W~~	183,862		~~W~~	(2,242,689	)	~~W~~	(2,058,827	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

12. Deferred Income Tax Assets and Liabilities (cont’d)

(In millions of Korean won)		December 31, 2025
		Assets			Liabilities			Net amount
Other provisions		~~W~~	233,337		~~W~~	—		~~W~~	233,337
Allowances for credit losses			44,300			(2,355	)		41,945
Impairment losses of property and equipment			10,614			(1,164	)		9,450
Interest on equity index-linked deposits			362			—			362
Share-based payments			49,752			—			49,752
Provisions for acceptances and guarantees			14,464			(164	)		14,300
Gains or losses on valuation of derivatives			324,878			(341,168	)		(16,290	)
Present value discount			11,439			(239	)		11,200
Gains or losses on fair value hedge			—			(36,979	)		(36,979	)
Accrued interest			(14	)		(290,542	)		(290,556	)
Deferred loan origination fees and costs			16,103			(200,328	)		(184,225	)
Advanced depreciation provision			—			(4,170	)		(4,170	)
Gains or losses on revaluation			326			(284,230	)		(283,904	)
Investments in subsidiaries and others			89,649			(298,302	)		(208,653	)
Gains or losses on valuation of security investment			1,045,397			(444,901	)		600,496
Defined benefit liabilities			651,974			—			651,974
Accrued expenses			403,784			—			403,784
Retirement insurance expense			—			(666,714	)		(666,714	)
Adjustments to the prepaid contributions			—			(79,010	)		(79,010	)
Derivative-linked securities			9,051			(43,669	)		(34,618	)
Others *			1,221,261			(3,058,788	)		(1,837,527	)

			4,126,677			(5,752,723	)		(1,626,046	)

Offsetting of deferred income tax assets and liabilities			(3,933,643	)		3,933,643			—

		~~W~~	193,034		~~W~~	(1,819,080	)	~~W~~	(1,626,046	)

*	Includes Purchase Price Allocation (“PPA”) amount arising from the acquisition of KB Life Insurance<br>Co., Ltd. and KB Insurance Co., Ltd.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

13. Financial Liabilities at Fair Value through Profit or Loss

13.1 Details of financial liabilities at fair value through profit or loss and financial liabilities designated at fair value through profit or loss as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026		December 31,<br>2025
Financial liabilities at fair value through profit or loss
Borrowed securities sold	~~W~~	3,253,620	~~W~~	2,923,691
Others		400,697		415,881

		3,654,317		3,339,572

Financial liabilities designated at fair value through profit or loss
Derivative-linked securities		7,872,332		7,981,018

		7,872,332		7,981,018

	~~W~~	11,526,649	~~W~~	11,320,590

13.2 Difference between the amount contractually required to pay at maturity and carrying amount of financial liabilities designated at fair value through profit or loss as of June 30, 2026 and December 31, 2025 are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Amount contractually required to pay at maturity	~~W~~	7,768,505		~~W~~	7,900,807
Carrying amount		7,872,332			7,981,018

Difference	~~W~~	(103,827	)	~~W~~	(80,211	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

14. Deposits

Details of deposits as of June 30, 2026 and December 31, 2025 are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Demand deposits
Demand deposits in Korean won	~~W~~	189,335,242		~~W~~	169,324,051
Demand deposits in foreign currencies		18,532,648			16,531,638

		207,867,890			185,855,689

Time deposits
Time deposits in Korean won		219,755,448			224,427,609
Fair value adjustments of fair value hedged time deposits in Korean won		(520	)		6,865

		219,754,928			224,434,474

Time deposits in foreign currencies		28,136,678			27,711,278
Fair value adjustments of fair value hedged time deposits in foreign currencies		(3,652	)		(1,334	)

		28,133,026			27,709,944

		247,887,954			252,144,418

Certificates of deposits		19,042,180			13,749,293

Investment contract liabilities		11,545,504			10,647,626

	~~W~~	486,343,528		~~W~~	462,397,026

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

15. Borrowings

15.1 Details of borrowings as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026		December 31,<br>2025
General borrowings	~~W~~	63,479,823	~~W~~	53,070,565
Bonds sold under repurchase agreements and others		11,407,653		13,430,104
Call money		3,020,256		4,227,727

	~~W~~	77,907,732	~~W~~	70,728,396

15.2 Details of general borrowings as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		Lenders	Interest rate<br>(%) as of<br>June 30, 2026	June 30,<br>2026		December 31,<br>2025
Borrowings in Korean won	Borrowings from the Bank of Korea	The Bank of Korea	1.00	~~W~~	6,760,602	~~W~~	6,958,623
	Borrowings from the government	SEMAS and others	0.00 ~ 3.50		2,534,713		2,402,107
	Borrowings from banks	The Korea Development Bank and others	2.20 ~ 11.25		2,209,502		1,556,717
	Borrowings from non-banking financial institutions	Korea Securities Finance Corporation and others	1.34 ~ 8.00		2,909,436		2,674,329
	Other borrowings	The Korea Development Bank and others	0.00 ~ 11.25		29,401,697		22,050,728

					43,815,950		35,642,504

Borrowings in foreign currencies	Due to banks	KEB Hana Bank and others	—		2,569		731
	Borrowings from banks	Citicorp International Ltd. and others	0.00 ~ 9.40		15,664,874		14,412,057
	Borrowings from other financial institutions	The Export-Import Bank of Korea and others	4.25 ~ 4.38		6,320		5,883
	Other borrowings	Standard Chartered Bank (Hong Kong) and others	0.0 0 ~ 4.04		3,990,110		3,009,390

					19,663,873		17,428,061

				~~W~~	63,479,823	~~W~~	53,070,565

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

16. Debentures

16.1 Details of debentures as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026			December 31,<br>2025
Debentures in Korean won
Structured debentures	3.45 ~ 5.86	~~W~~	140,000		~~W~~	90,410
Subordinated fixed rate debentures	2.02 ~ 4.90		4,536,150			5,045,150
Fixed rate debentures	1.33 ~ 7.16		53,911,490			55,987,465
Floating rate debentures	2.78 ~ 6.51		4,050,000			2,380,000

			62,637,640			63,503,025
Fair value adjustments of fair value hedged debentures in Korean won			(151,674	)		(116,915	)
Less: Discount on debentures in Korean won			(80,712	)		(79,204	)

			62,405,254			63,306,906

Debentures in foreign currencies
Floating rate debentures	0.20 ~ 5.34		5,371,038			3,636,907
Fixed rate debentures	0.00 ~ 7.00		12,764,256			13,179,168

			18,135,294			16,816,075
Fair value adjustments of fair value hedged debentures in foreign currencies			(33,563	)		(23,084	)
Less: Discount on debentures in foreign currencies			(44,192	)		(50,627	)

			18,057,539			16,742,364

		~~W~~	80,462,793		~~W~~	80,049,270

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

17. Provisions

17.1 Details of provisions as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026		December 31,<br>2025
Provisions for credit losses of unused loan commitments	~~W~~	271,231	~~W~~	274,488
Provisions for credit losses of acceptances and guarantees		52,225		49,025
Provisions for credit losses of financial guarantee contracts		7,184		6,024
Provisions for restoration costs		174,352		171,649
Others		870,222		763,204

	~~W~~	1,375,214	~~W~~	1,264,390

17.2 Changes in provisions for credit losses of unused loan commitments, and acceptances and guarantees for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)
	2026
	Provisions for credit losses of<br>unused loan commitments									Provisions for credit losses of<br>acceptances and guarantees
	12-month<br>expected<br>credit losses			Lifetime expected credit losses						12-month<br>expected<br>credit losses			Lifetime expected credit losses
				Not<br>impaired			Impaired						Not<br>impaired			Impaired
Beginning	~~W~~	188,003		~~W~~	84,223		~~W~~	2,262		~~W~~	32,071		~~W~~	5,336		~~W~~	11,618
Transfer between stages:
Transfer to 12-month expected credit losses		25,811			(25,647	)		(164	)		422			(422	)		—
Transfer to lifetime expected credit losses		(7,723	)		8,067			(344	)		(222	)		222			—
Impairment		(406	)		(1,433	)		1,839			(4	)		(68	)		72
Provision (reversal) for credit losses		(11,487	)		7,885			(1,414	)		2,340			(265	)		(722	)
Others (exchange differences, etc.)		1,500			259			—			1,587			90			170

Ending	~~W~~	195,698		~~W~~	73,354		~~W~~	2,179		~~W~~	36,194		~~W~~	4,893		~~W~~	11,138

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

17.2 Changes in provisions for credit losses of unused loan commitments, and acceptances and guarantees for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)
	2025
	Provisions for credit losses of<br>unused loan commitments									Provisions for credit losses of<br>acceptances and guarantees
	12-month<br>expected<br>credit losses			Lifetime expected credit losses						12-month<br>expected<br>credit losses			Lifetime expected credit losses
				Not<br>impaired			Impaired						Not<br>impaired			Impaired
Beginning	~~W~~	216,995		~~W~~	78,975		~~W~~	1,885		~~W~~	39,465		~~W~~	2,487		~~W~~	14,145
Transfer between stages:
Transfer to 12-month expected credit losses		20,604			(20,475	)		(129	)		65			(65	)		—
Transfer to lifetime expected credit losses		(13,629	)		15,526			(1,897	)		(796	)		831			(35	)
Impairment		(1,382	)		(2,982	)		4,364			(1	)		(165	)		166
Provision (reversal) for credit losses		(15,287	)		9,507			(2,398	)		(2,671	)		3,909			(4,615	)
Others (exchange differences, etc.)		(1,958	)		(222	)		(13	)		(1,613	)		(89	)		(168	)

Ending	~~W~~	205,343		~~W~~	80,329		~~W~~	1,812		~~W~~	34,449		~~W~~	6,908		~~W~~	9,493

17.3 Changes in provisions for credit losses of financial guarantee contracts for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026		2025
Beginning	~~W~~	6,024	~~W~~	7,378
Provision (reversal)		1,160		1,658
Others		—		(805	)

Ending	~~W~~	7,184	~~W~~	8,231

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

17.4 Changes in provisions for restoration costs for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026			2025
Beginning	~~W~~	171,649		~~W~~	180,590
Provision		3,725			5,197
Reversal		(549	)		(1,489	)
Used		(3,061	)		(5,291	)
Unwinding of discount		2,544			2,565
Effect of changes in discount rate		44			(88	)

Ending	~~W~~	174,352		~~W~~	181,484

Provisions for restoration costs are the present value of estimated costs to be incurred for the restoration of the leased properties. The expenditure of the restoration cost will be incurred at the end of each lease contract, and the lease period is used to reasonably estimate the time of expenditure. Also, the average restoration expense based on actual three-year historical data and three-year historical average inflation rate are used to estimate the present value of estimated costs.

17.5 Changes in other provisions for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		2026
		Membership<br>rewards<br>program			Dormant<br>accounts			Litigations			Others *			Total
Beginning *		~~W~~	91		~~W~~	5,734		~~W~~	142,090		~~W~~	615,289		~~W~~	763,204
Increase			52			—			331			292,399			292,782
Decrease			(40	)		(2,531	)		(66,406	)		(116,639	)		(185,616	)
Others			—			—			(148	)		—			(148	)

Ending *		~~W~~	103		~~W~~	3,203		~~W~~	75,867		~~W~~	791,049		~~W~~	870,222

(In millions of Korean won)		2025
		Membership<br>rewards<br>program			Dormant<br>accounts			Litigations			Others			Total
Beginning		~~W~~	73		~~W~~	3,153		~~W~~	156,214		~~W~~	226,272		~~W~~	385,712
Increase			44			4,351			7,829			104,071			116,295
Decrease			(41	)		(4,328	)		(34,605	)		(70,647	)		(109,621	)
Others			—			—			(1,033	)		(2	)		(1,035	)

Ending		~~W~~	76		~~W~~	3,176		~~W~~	128,405		~~W~~	259,694		~~W~~	391,351

^1^	Includes other provisions of ~~W~~ 2,116 million and<br>~~W~~ 6,577 million related to the Livelihood finance support program as of June 30, 2026 and December 31, 2025, respectively
:---	:---
^2^	Includes other provisions of ~~W~~ 20,026 million and<br>~~W~~ 28,396 million related to the voluntary compensation for the performance of the Hang Seng China Enterprise Index as of June 30, 2026 and December 31, 2025, respectively.
:---	:---
^3^	Includes other provisions of ~~W~~ 328,337 million and<br>~~W~~ 144,246 million related to the obligation performance of the completion guarantee-type land trust business of KB Real Estate Trust Co., Ltd. as of June 30, 2026 and December 31, 2025, respectively.
:---	:---
^4^	Includes other provisions of ~~W~~ 360,894 million and<br>~~W~~ 333,002 million related to ELS and LTV penalties, among others, and such amounts may change depending on future developments and the outcome of related matters as of June 30, 2026 and December 31, 2025,<br>respectively.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

18. Net Defined Benefit Liabilities

18.1 Defined Benefit Plan

The Group operates defined benefit plans which have the following characteristics:

•	The Group has the obligation to pay the agreed benefits to all its current and former employees.
•	The Group assumes actuarial risk (that benefits will cost more than expected) and investment risk.
:---	:---

The net defined benefit liabilities recognized in the consolidated statement of financial position are calculated by the independent actuary in accordance with actuarial valuation method. The defined benefit obligation is calculated using the projected unit credit method. Assumptions based on market data and historical data such as discount rate, future salary increase rate, mortality, and consumer price index are used which are updated annually.

Actuarial assumptions may differ from actual results, due to changes in the market conditions, economic trends, and mortality trends which may affect net defined benefit liabilities and future payments. Actuarial gains and losses arising from changes in actuarial assumptions are recognized in the period incurred through other comprehensive income.

18.2 Details of net defined benefit liabilities as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026			December 31,<br>2025
Present value of defined benefit obligation		~~W~~	2,369,777		~~W~~	2,558,934
Fair value of plan assets			(2,770,275	)		(2,812,212	)

Net defined benefit liabilities *		~~W~~	(400,498	)	~~W~~	(253,278	)

*	As of June 30, 2026, the net defined benefit asset of ~~W~~ 400,498 million is the<br>amount obtained by subtracting the net defined benefit liability of ~~W~~ 89,930 million from the net defined benefit asset of ~~W~~ 490,428 million. Similarly, as of December 31, 2025, the net defined<br>benefit asset of ~~W~~ 253,278 million is the amount obtained by subtracting the net defined benefit liability of ~~W~~ 100,088 million from the net defined benefit asset of<br>~~W~~ 353,366 million.
:---	:---

18.3 Details of post-employment benefits recognized in profit or loss for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		2026			2025
Current service cost		~~W~~	109,922		~~W~~	112,646
Past service cost			—			187
Net interest expense on net defined benefit liabilities			(6,091	)		(3,589	)
Gain or loss on settlement			537			—

Post-employment benefits *		~~W~~	104,368		~~W~~	109,244

*	Includes post-employment benefits amounting to ~~W~~ 10,949 million recognized as insurance<br>service expenses, ~~W~~ 1,795 million recognized as other operating expenses and ~~W~~ 41 million recognized as advanced payments for the six-month period ended June 30, 2026 and<br>~~W~~ 12,572 million recognized as insurance service expenses, ~~W~~ 1,830 million recognized as other operating expenses and ~~W~~ 41 million recognized as advanced payments for the<br>six-month period ended June 30, 2025.
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

19. Equity

19.1 Share Capital

19.1.1 Details of share capital as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won and in number of shares)		June 30,<br>2026		December 31,<br>2025
Type of share		Ordinary share		Ordinary share
Number of authorized shares			1,000,000,000		1,000,000,000
Par value per share (In Korean won)		~~W~~	5,000	~~W~~	5,000
Number of issued shares			354,687,734		381,462,103
Share capital *		~~W~~	2,090,558	~~W~~	2,090,558
*	Due to the retirement of shares deducted through retained earnings, it is different from the total par value of<br>the shares issued.
:---	:---

19.1.2 Changes in outstanding shares for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In number of shares)
Beginning	358,587,722		373,600,719
Increase	—		—
Decrease	(5,199,988	)	(9,448,744	)

Ending	353,387,734		364,151,975

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

19.2 Hybrid Securities

Details of hybrid securities classified as equity as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

Hybrid<br><br>securities		Issuance date	Maturity		June 30,<br>2026		December 31,<br>2025
Series 1-2		May. 2, 2019	Perpetual bond	3.44	~~W~~	49,896	~~W~~	49,896
Series 2-2		May. 8, 2020	Perpetual bond	3.43		74,812		74,812
Series 3-2		Jul. 14, 2020	Perpetual bond	3.38		29,922		29,922
Series 4-2		Oct. 20, 2020	Perpetual bond	3.28		64,855		64,855
Series 5-1*		Feb. 19, 2021	Perpetual bond	2.67		—		419,071
Series 5-2		Feb. 19, 2021	Perpetual bond	2.87		59,862		59,862
Series 5-3		Feb. 19, 2021	Perpetual bond	3.28		119,727		119,727
Series 6-1*		May. 28, 2021	Perpetual bond	3.20		—		165,563
Series 6-2		May. 28, 2021	Perpetual bond	3.60		109,708		109,708
Series 7-1		Oct. 8, 2021	Perpetual bond	3.57		208,468		208,468
Series 7-2		Oct. 8, 2021	Perpetual bond	3.80		59,834		59,834
Series 8-1		Feb. 16, 2022	Perpetual bond	4.00		442,970		442,970
Series 8-2		Feb. 16, 2022	Perpetual bond	4.30		155,626		155,626
Series 9-1		May. 12, 2022	Perpetual bond	4.68		478,829		478,829
Series 9-2		May. 12, 2022	Perpetual bond	4.97		19,906		19,906
Series 10-1		Aug. 26, 2022	Perpetual bond	4.90		407,936		407,936
Series 10-2		Aug. 26, 2022	Perpetual bond	5.15		70,819		70,819
Series 10-3		Aug. 26, 2022	Perpetual bond	5.30		19,944		19,944
Series 11-1		Feb. 3, 2023	Perpetual bond	4.90		548,681		548,681
Series 11-2		Feb. 3, 2023	Perpetual bond	5.03		49,871		49,871
Series 12		Feb. 28, 2024	Perpetual bond	4.39		399,060		399,060
Series 13		Jan. 22, 2025	Perpetual bond	4.00		404,028		404,028
Series 14		May. 14, 2026	Perpetual bond	4.50		431,967		—

					~~W~~	4,206,721	~~W~~	4,359,388

*	The Company early redeemed in full its 5-1 AT1 capital securities amounting to ~~W~~ 420,000<br>million on February 19, 2026 and its 6-1 AT1 capital securities amounting to ~~W~~166,000 million on May 28, 2026, upon the exercise of the call option.
:---	:---

The above hybrid securities are early redeemable by the Group after 5 or 7 or 10 years from the issuance date. On the other hand, hybrid securities of ~~W~~ 1,065,613 million issued by Kookmin Bank, hybrid securities of ~~W~~ 232,672 million issued by KB Securities Co., Ltd., hybrid securities of ~~W~~ 49,800 million issued by KB Life Insurance Co., Ltd., hybrid securities of ~~W~~ 249,150 million issued by KB Kookmin Card Co., Ltd. and hybrid securities of ~~W~~ 19,993 million issued by KB Real Estate Trust. Co., Ltd. are recognized as non-controlling interests and are early redeemable after 5 years from the issuance date and each interest payment date thereafter.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

19.3 Capital Surplus

Details of capital surplus as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026			December 31,<br>2025
Paid-in capital in excess of par<br>value^1^		~~W~~	5,690,275		~~W~~	13,190,274
Losses on sales of treasury shares			(477,358	)		(477,358	)
Other capital surplus			3,914,604			3,920,602

		~~W~~	9,127,521		~~W~~	16,633,518

^1^	During the six-month period ended June 30, 2026, ~~W~~ 7,500,000 million was<br>transferred from capital surplus to retained earnings.
:---	:---

19.4 Accumulated Other Comprehensive Income

Details of accumulated other comprehensive income as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Remeasurements of net defined benefit liabilities	~~W~~	(155,546	)	~~W~~	(218,626	)
Currency translation differences		1,104,830			761,727
Losses on financial instruments at fair value through other comprehensive income		(7,472,596	)		(3,396,899)
Share of other comprehensive loss of associates and joint ventures		(532	)		(1,135	)
Gains on cash flow hedging instruments		(642,192	)		(157,512	)
Losses on hedging instruments of net investments in foreign operations		(389,556	)		(276,478	)
Fair value changes of financial liabilities designated at fair value through profit or loss due to<br>own credit risk		(18,843	)		(20,536	)
Insurance finance income		7,087,208			2,842,003

	~~W~~	(487,227	)	~~W~~	(467,456	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

19.5 Retained Earnings

19.5.1 Details of retained earnings as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
Legal reserves ^1^		~~W~~	1,802,633	~~W~~	1,436,870
Voluntary reserves			982,000		982,000
Unappropriated retained earnings ^2^			43,344,646		35,914,871

		~~W~~	46,129,279	~~W~~	38,333,741

^1^	With respect to the allocation of net profit earned in a fiscal term, the Parent Company must set aside in its<br>legal reserve an amount equal to at least 10% of its profit after tax as reported in the financial statements, each time it pays dividends on its net profits earned until its legal reserve reaches the aggregate amount of its paid-in capital in<br>accordance with Article 53 of the Financial Holding Company Act. This reserve is not available for the payment of cash dividends, but may be transferred to share capital, or used to reduce accumulated deficit.
:---	:---
^2^	The regulatory reserve for credit losses the Group appropriated in retained earnings is<br>~~W~~ 4,546,374 million and ~~W~~ 4,190,070 million as of June 30, 2026 and December 31, 2025, respectively.
:---	:---

19.5.2 Regulatory reserve for credit losses

Measurement and disclosure of regulatory reserve for credit losses are required in accordance with Articles 26 through 28 of Regulations on Supervision of Financial Holding Companies.

19.5.2.1 Details of regulatory reserve for credit losses as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026		December 31,<br>2025
Regulatory reserve for credit losses attributable to:
Shareholders of the Parent Company	~~W~~	4,546,374	~~W~~	4,190,070
Non-controlling interests		47,727		139,144

	~~W~~	4,594,101	~~W~~	4,329,214

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

19.5.2.2 Regulatory reserve for credit losses estimated to be appropriated and adjusted profit after provision of regulatory reserve for credit losses for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won, except for per share amounts)		2026				2025
		Three<br>months		Six<br>months		Three<br>months			Six<br>months
Provision (reversal) of regulatory reserve for credit losses		~~W~~	45,628	~~W~~	356,304	~~W~~	(107,863	)	~~W~~	(207,555	)
Adjusted profit after provision of regulatory reserve for credit losses ^1,2^			1,904,556		3,441,473		1,792,601			3,539,930
Adjusted basic earnings per share after provision of regulatory reserve for credit losses ^1^			5,419		9,669		4,898			9,594
Adjusted diluted earnings per share after provision of regulatory reserve for credit losses ^1^			5,380		9,592		4,857			9,507
^1^	Adjusted profit after provision of regulatory reserve for credit losses is not based on Korean IFRS. It is<br>calculated by reflecting provision of regulatory reserve for credit losses before tax to the net profit attributable to shareholders of the Parent Company.
:---	:---
^2^	After deducting dividends on hybrid securities
:---	:---

19.6 Treasury Shares

Changes in treasury shares for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won and in number of shares)	2026
	Beginning		Acquisition		Retirement			Ending
Number of treasury shares		22,874,381		5,199,988		(26,774,369	)		1,300,000

Carrying amount	~~W~~	1,901,538	~~W~~	804,294	~~W~~	(2,529,818	)	~~W~~	176,014

	2025
	Beginning		Acquisition		Retirement			Ending
Number of treasury shares		19,927,704		9,448,744		(12,066,320	)		17,310,128

Carrying amount	~~W~~	1,236,060	~~W~~	820,000	~~W~~	(814,522	)	~~W~~	1,241,538

On January 15, 2026, the Parent Company retired 3,047,395 treasury shares (~~W~~ 300,000 million) acquired pursuant to the Board resolution dated April 24, 2025, and 5,564,253 treasury shares (~~W~~ 660,000 million) acquired pursuant to the Board resolution dated July 24, 2025.

In addition, on May 15, 2026, the Parent Company retired 3,899,988 treasury shares (~~W~~ 600,000 million) acquired pursuant to the Board resolution dated February 5, 2026, and 14,262,733 treasury shares (~~W~~ 1,402,230 million) previously acquired and approved for retirement pursuant to the Board resolution dated April 23, 2026.

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

20. Net Interest Income

Details of interest income, interest expense, and net interest income for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026				2025
	Three<br>months		Six<br>months		Three<br>months		Six<br>months
Interest income
Due from financial institutions measured at fair value through profit or loss	~~W~~	637	~~W~~	1,312	~~W~~	662	~~W~~	1,263
Securities measured at fair value through profit or loss		363,065		706,338		337,972		685,899
Loans measured at fair value through profit or loss		12,010		32,881		14,518		28,045
Securities measured at fair value through other comprehensive income		732,030		1,437,839		688,284		1,392,334
Loans measured at fair value through other comprehensive income		23,541		46,039		17,894		34,805
Due from financial institutions measured at amortized cost		99,063		190,226		83,887		177,467
Securities measured at amortized cost		315,361		605,331		277,068		558,158
Loans measured at amortized cost		5,624,428		11,137,736		5,685,638		11,509,443
Insurance finance income		10,205		21,674		9,157		19,247
Others		171,760		332,453		169,553		332,913

		7,352,100		14,511,829		7,284,633		14,739,574

Interest expense
Deposits		2,265,347		4,369,385		2,325,978		4,758,228
Borrowings		536,631		1,025,122		556,358		1,125,871
Debentures		674,933		1,338,548		657,793		1,329,319
Insurance finance expense		408,741		811,804		373,212		755,354
Others		323,010		488,710		264,766		402,111

		4,208,662		8,033,569		4,178,107		8,370,883

Net interest income	~~W~~	3,143,438	~~W~~	6,478,260	~~W~~	3,106,526	~~W~~	6,368,691

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

21. Net Fee and Commission Income

Details of fee and commission income, fee and commission expense, and net fee and commission income for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		2026				2025
		Three<br>months		Six<br>months		Three<br>months		Six<br>months
Fee and commission income
Banking activity fees		~~W~~	49,581	~~W~~	100,151	~~W~~	49,654	~~W~~	97,668
Lending activity fees			17,120		36,148		27,257		54,216
Credit card and debit card related fees			397,718		790,943		370,517		768,293
Agent activity fees			44,749		90,752		81,955		141,174
Trust and other fiduciary fees			266,924		436,368		69,531		138,802
Fund management related fees			68,034		122,033		69,137		102,182
Acceptances and guarantees fees			23,805		43,104		21,832		46,601
Foreign currency related fees			141,517		275,183		104,196		205,211
Securities agency fees			72,784		134,697		36,890		70,579
Other business account commission on consignment			5,185		16,162		5,874		18,204
Commissions received on securities business			568,387		1,000,881		172,408		328,637
Lease fees			295,043		573,379		271,481		544,225
Others			142,972		284,393		166,234		261,407

			2,093,819		3,904,194		1,446,966		2,777,199

Fee and commission expense
Trading activity related fees *			38,884		66,241		12,136		23,045
Lending activity fees			11,351		23,119		10,500		20,945
Credit card and debit card related fees			205,632		405,165		198,209		393,838
Outsourcing related fees			38,368		66,394		36,866		67,026
Foreign currency related fees			28,527		57,889		30,272		64,093
Others			169,141		324,141		127,047		242,268

			491,903		942,949		415,030		811,215

Net fee and commission income		~~W~~	1,601,916	~~W~~	2,961,245	~~W~~	1,031,936	~~W~~	1,965,984

*	Fees from financial instruments at fair value through profit or loss
:---	:---

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

22. Net Gains or Losses on Financial Instruments at Fair Value through Profit or Loss

22.1 Net Gains or Losses on Financial Instruments at Fair Value through Profit or Loss

Net gains or losses on financial instruments at fair value through profit or loss include dividend income, gains or losses arising from changes in fair value, and gains or losses arising from sales and redemptions. Details of net gains or losses on financial instruments at fair value through profit or loss for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

	2026					2025
(In millions of Korean won)	Three<br>months			Six<br>months		Three<br>months			Six<br>months
Gains on financial instruments at fair value through profit or loss
Financial assets at fair value through profit or loss:
Debt securities	~~W~~	3,634,661		~~W~~	5,296,205	~~W~~	1,054,145		~~W~~	2,289,320
Equity securities		6,082,553			7,793,937		704,306			974,150

		9,717,214			13,090,142		1,758,451			3,263,470

Derivatives held for trading:
Interest rate		1,651,445			4,941,333		852,250			2,433,580
Currency		3,010,196			9,190,943		6,532,815			8,690,861
Stock or stock index		1,975,220			3,851,774		696,783			1,211,010
Credit		(8,103	)		35,970		9,981			38,323
Commodity		(73,493	)		178,270		39,783			85,267
Others		3,618			33,027		13,697			68,462

		6,558,883			18,231,317		8,145,309			12,527,503

Financial liabilities at fair value through profit or loss		147,922			278,694		15,949			85,631
Other financial instruments		(4,060	)		2,744		(745	)		1,675

		16,419,959			31,602,897		9,918,964			15,878,279

Losses on financial instruments at fair value through profit or loss
Financial assets at fair value through profit or loss:
Debt securities		1,116,535			2,583,485		421,611			820,770
Equity securities		420,350			834,228		92,349			245,149

		1,536,885			3,417,713		513,960			1,065,919

Derivatives held for trading:
Interest rate		1,145,876			3,799,944		643,589			2,490,213
Currency		3,240,561			9,975,323		5,963,524			8,036,526
Stock or stock index		7,352,428			10,070,056		925,589			1,507,482
Credit		(7,888	)		32,479		9,489			36,501
Commodity		(45,910	)		231,047		33,553			75,657
Others		22,949			48,701		10,482			24,712

		11,708,016			24,157,550		7,586,226			12,171,091

Financial liabilities at fair value through profit or loss		794,536			1,208,706		224,402			334,780
Other financial instruments		(3,746	)		2,223		(730	)		1,748

		14,035,691			28,786,192		8,323,858			13,573,538

Net gains on financial instruments at fair value through profit or loss	~~W~~	2,384,268		~~W~~	2,816,705	~~W~~	1,595,106		~~W~~	2,304,741

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

22.2 Net Gains or Losses on Financial Instruments Designated at Fair Value through Profit or Loss

Net gains or losses on financial instruments designated at fair value through profit or loss include gains or losses arising from changes in fair value, and gains or losses arising from sales and redemptions. Details of net gains or losses on financial instruments designated at fair value through profit or loss for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026						2025
	Three<br>months			Six<br>months			Three<br>months			Six<br>months
Gains on financial instruments designated at fair value through profit or loss
Financial liabilities designated at fair value through profit or loss	~~W~~	54,242		~~W~~	181,338		~~W~~	52,986		~~W~~	95,274

		54,242			181,338			52,986			95,274

Losses on financial instruments designated at fair value through profit or loss
Financial liabilities designated at fair value through profit or loss		219,609			412,298			81,947			287,652

		219,609			412,298			81,947			287,652

Net losses on financial instruments designated at fair value through profit or<br>loss	~~W~~	(165,367	)	~~W~~	(230,960	)	~~W~~	(28,961	)	~~W~~	(192,378	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

23. Net Other Operating Income and Expenses

Details of other operating income and expenses for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026						2025
	Three<br>months			Six<br>months			Three<br>months			Six<br>months
Other operating income
Gains on financial instruments at fair value through other comprehensive income:
Gains on redemption of securities at fair value through other comprehensive income	~~W~~	164		~~W~~	212		~~W~~	512		~~W~~	713
Gains on disposal of securities at fair value through other comprehensive income		9,670			44,106			59,471			182,129
Gains on sale of loans at fair value through other comprehensive income		—			433			—			—

		9,834			44,751			59,983			182,842

Gains on financial instruments at amortized cost:
Gains on sale of loans measured at amortized cost		81,211			132,991			48,308			101,781
Gains on redemptions of securities measured at amortized cost		1			3			—			—
Gains on disposal of securities measured at amortized cost		6			12			478			756

		81,218			133,006			48,786			102,537
Gains on hedge accounting		30,807			284,022			152,023			241,971
Gains on foreign exchange transactions		2,132,433			4,754,432			1,883,426			3,200,328
Dividend income		41,392			109,534			28,629			80,129
Others		258,468			445,628			209,888			403,158

		2,554,152			5,771,373			2,382,735			4,210,965

Other operating expenses
Losses on financial instruments at fair value through other comprehensive income:
Losses on redemption of securities at fair value through other comprehensive income		16			76			582			777
Losses on disposal of securities at fair value through other comprehensive income		12,206			16,328			33,373			58,351

		12,222			16,404			33,955			59,128

Losses on financial instruments at amortized cost:
Losses on sale of loans measured at amortized cost		155,896			185,036			151,400			194,793

		155,896			185,036			151,400			194,793

Losses on hedge accounting		37,627			307,919			203,797			318,639
Losses on foreign exchanges transactions		1,924,560			4,081,892			2,367,051			3,678,257
Deposit insurance fee		166,481			329,492			155,337			308,195
Credit guarantee fund fee		112,382			219,945			104,391			201,355
Depreciation expenses of operating lease assets		167,812			332,092			165,989			333,318
Others		589,443			975,445			506,059			908,948

		3,166,423			6,448,225			3,687,979			6,002,633

Net other operating expenses	~~W~~	(612,271	)	~~W~~	(676,852	)	~~W~~	(1,305,244	)	~~W~~	(1,791,668	)

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

24. General and Administrative Expenses

24.1 Details of general and administrative expenses for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026				2025
	Three<br>months		Six<br>months		Three<br>months		Six<br>months
Expenses related to employee
Employee benefits - salaries	~~W~~	794,326	~~W~~	1,580,742	~~W~~	710,225	~~W~~	1,406,796
Employee benefits - others		266,177		472,605		200,832		424,165
Post-employment benefits - defined benefit plans		45,007		91,583		50,886		94,801
Post-employment benefits - defined contribution plans		12,259		21,206		8,865		18,237
Termination benefits		1,026		2,513		828		2,863
Share-based payments		54,388		88,142		87,612		81,703

		1,173,183		2,256,791		1,059,248		2,028,565

Depreciation and amortization		216,820		432,483		223,218		447,130

Other general and administrative expenses
Rental expense		23,878		48,554		22,875		48,269
Tax and dues		159,504		289,145		105,461		191,914
Communication		12,325		20,565		8,606		19,348
Electricity and utilities		9,991		22,217		10,396		23,364
Publication		1,536		2,840		1,504		2,880
Repairs and maintenance		13,742		24,349		9,898		19,049
Vehicle		5,254		9,783		4,693		9,269
Travel		3,589		6,492		4,115		7,349
Training		8,668		19,031		9,843		19,595
Service fees		51,882		97,421		57,097		110,414
Electronic data processing expenses		86,166		193,452		97,606		194,157
Advertising		54,640		96,198		60,694		94,878
Others		68,309		135,080		74,442		139,080

		499,484		965,127		467,230		879,566

		~~W~~1,889,487	~~W~~	3,654,401	~~W~~	1,749,696	~~W~~	3,355,261

100

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

24.2 Share-based Payments

24.2.1 Stock grants

The Group changed the scheme of share-based payments awarded to executives and employees from stock options to stock grants in November 2007. The stock grants award program is an incentive plan that sets, on grant date, the maximum number of shares that can be awarded. Actual shares to be granted is determined in accordance with achievement of pre-set performance targets over the vesting period.

24.2.1.1 Details of stock grants linked to long-term performance as of June 30, 2026, are as follows:

(In number of shares)	Grant date		Vesting conditions ^2^
KB Financial Group Inc.
Series 38	Nov. 21, 2023	55,547	Services fulfillment, market performance<br>^3^ 35%, and non-market performance ^5^ 65%
Series 41	Apr. 6, 2024	6,450	Services fulfillment, market performance<br>^3^ 30%, and non-market performance ^4^ 70%
Series 43	Jan. 1, 2025	28,130	Services fulfillment, market performance<br>^3^ 30%, and non-market performance ^4^ 70%
Series 44	Apr. 7, 2025	5,666	Services fulfillment, market performance<br>^3^ 30%, and non-market performance ^4^ 70%
Series 45	Jan. 1, 2026	32,738	Services fulfillment, market performance<br>^3^ 30%, and non-market performance ^4^ 70%
Series 46	Apr. 6, 2026	3,083	Services fulfillment, market performance<br>^3^ 30%, and non-market performance ^4^ 70%
Deferred grant in 2022		241	Satisfied
Deferred grant in 2023		31,152	Satisfied
Deferred grant in 2024		17,031	Satisfied
Deferred grant in 2025		25,653	Satisfied

		205,691

Kookmin Bank
Series 96	Jan. 1, 2024	6,908	Services fulfillment, market performance<br>^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 98	Apr. 22, 2024	2,959	Services fulfillment, market performance<br>^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 99	Jul. 5, 2024	4,926	Services fulfillment, market performance<br>^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 101	Aug. 24, 2024	4,164	Services fulfillment, market performance<br>^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 102	Jan. 1, 2025	130,875	Services fulfillment, market performance ^3^<br>0~30%, and non-market performance ^4^ 70~100%<br><br>Services<br>fulfillment, market performance ^3^ 30%, and non-market performance ^6^ 70%
Series 103	Jan. 9, 2025	4,988	Services fulfillment, market performance<br>^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 104	Jan. 1, 2026	112,193	Services fulfillment, market performance<br>^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 105	Apr. 22, 2026	2,068	Services fulfillment, market performance<br>^3^ 0~30%, and non-market performance ^4^ 70~100%

101

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

24.2.1.1 Details of stock grants linked to long-term performance as of June 30, 2026, are as follows: (cont’d)

(In number of shares)			Vesting conditions ^2^
Deferred grant in 2022		734	Satisfied
Deferred grant in 2023		47,112	Satisfied
Deferred grant in 2024		79,896	Satisfied
Deferred grant in 2025		109,788	Satisfied

		506,611

Other subsidiaries			Services fulfillment,<br><br>market performance ^3^ 0~50%,<br><br>and non-market performance ^4^ 50~100%
Stock granted in 2014		644
Stock granted in 2015		544
Stock granted in 2017		2,021
Stock granted in 2018		4,280
Stock granted in 2019		9,816
Stock granted in 2020		11,825
Stock granted in 2021		10,933
Stock granted in 2022		25,845
Stock granted in 2023		65,981
Stock granted in 2024		142,636
Stock granted in 2025		374,518
Stock granted in 2026		154,751

		803,794

		1,516,096

^1^	Granted shares represent the total number of shares initially granted to executives and employees who have<br>residual shares as of June 30, 2026 (Deferred grants are residual shares vested as of June 30, 2026).
:---	:---
^2^	Executives and employees were given the right of choice about the timing of the deferred payment (after the<br>date of retirement), payment ratio, and payment period. Accordingly, a certain percentage of the granted shares is deferred for up to five years after the date of retirement after the deferred grant has been confirmed.
:---	:---
^3^	Relative TSR (Total Shareholder Return): [(Fair value at the end of the contract—Fair value at the<br>beginning of the contract) + (Total amount of dividend per share paid during the contract period)] / Fair value at the beginning of the contract.
:---	:---
^4^	Performance results of company and employee
:---	:---
^5^	EPS (Earnings Per Share), Asset Quality, HCROI (Human Capital Return On Investment), Non-bank segment profit
:---	:---
^6^	EPS, Asset Quality
:---	:---

102

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

24.2.1.2 Details of stock grants linked to short-term performance as of June 30, 2026, are as follows:

(In number of shares)			Vesting<br>conditions
KB Financial Group Inc.
Stock granted in 2016		1,040	Satisfied
Stock granted in 2023		13,997	Satisfied
Stock granted in 2024		16,104	Satisfied
Stock granted in 2025		15,005	Satisfied
Stock granted in 2026		6,526	Proportional to service period
Kookmin Bank
Stock granted in 2022		788	Satisfied
Stock granted in 2023		59,277	Satisfied
Stock granted in 2024		65,467	Satisfied
Stock granted in 2025		71,243	Satisfied
Stock granted in 2026		21,378	Proportional to service period
Other subsidiaries
Stock granted in 2015		645	Satisfied
Stock granted in 2016		3,418	Satisfied
Stock granted in 2017		14,699	Satisfied
Stock granted in 2018		40,304	Satisfied
Stock granted in 2019		25,982	Satisfied
Stock granted in 2020		30,485	Satisfied
Stock granted in 2021		52,476	Satisfied
Stock granted in 2022		68,649	Satisfied
Stock granted in 2023		238,341	Satisfied
Stock granted in 2024		287,189	Satisfied
Stock granted in 2025		270,644	Satisfied
Stock granted in 2026		34,008	Proportional to service period

		1,337,665

*	Executives and employees were given the right of choice about the timing of the deferred payment (after the<br>date of retirement), payment ratio, and payment period. Accordingly, a certain percentage of the granted shares is deferred for up to five years after the date of retirement after the deferred grant has been confirmed.
:---	:---

24.2.1.3 The accrued expenses for share-based payments related to stock grants are ~~W~~ 370,071 million and ~~W~~ 395,692 million as of June 30, 2026 and December 31, 2025, respectively, and the compensation costs amounting to ~~W~~ 107,215 million and ~~W~~ 96,668 million were recognized for the six-month periods ended June 30, 2026 and 2025, respectively.

103

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

24.2.2 Mileage stock

24.2.2.1 Details of mileage stock as of June 30, 2026, are as follows:

(In number of shares)

Stock granted in 2021
	July. 1, 2021	54	0.00	18
	July. 2, 2021	11	0.00	5
	July. 27, 2021	70	0.00~0.07	21
	Nov. 1, 2021	71	0.00~0.34	53
	Nov. 16, 2021	53	0.00~0.38	3
	Dec. 3, 2021	91	0.00~0.42	39
	Dec. 6, 2021	87	0.00~0.43	23
	Dec. 30, 2021	76	0.00~0.50	38
Stock granted in 2022
	Jan. 14, 2022	20,909	0.00~0.54	8,000
	Apr. 4, 2022	65	0.00~0.76	33
	Apr. 19, 2022	33	0.00~0.80	20
	Aug. 3, 2022	62	0.00~1.09	6
	Aug. 9, 2022	80	0.00~1.11	12
	Oct. 19, 2022	55	0.00~1.30	5
	Nov. 1, 2022	177	0.00~1.34	51
	Dec. 1, 2022	49	0.00~1.42	48
	Dec. 6, 2022	88	0.00~1.43	8
	Dec. 12, 2022	114	0.00~1.45	29
	Dec. 15, 2022	42	0.00~1.46	23
	Dec. 30, 2022	114	0.00~1.50	25
Stock granted in 2023
	Jan. 9, 2023	23,071	0.00~1.53	7,055
	Jan. 14, 2023	742	0.00~1.54	294
	Mar. 27, 2023	58	0.00~1.74	37
	Mar. 31, 2023	97	0.00~1.75	39
	May. 4, 2023	105	0.00~1.84	16
	Jul. 3, 2023	63	0.00~2.01	21
	Jul. 26, 2023	38	0.00~2.07	22
	Jul. 31, 2023	220	0.00~2.08	62
	Oct. 20, 2023	80	0.00~2.30	38
	Nov. 1, 2023	78	0.00~2.34	39
	Dec. 1, 2023	49	0.00~2.42	36
	Dec. 13, 2023	115	0.00~2.45	1
	Dec. 14, 2023	57	0.00~2.45	40
	Dec. 27, 2023	19	0.00~2.49	14
	Dec. 28, 2023	162	0.00~2.49	48
	Dec. 29, 2023	95	0.00~2.50	38

104

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

24.2.2.1 Details of mileage stock as of June 30, 2026, are as follows: (cont’d)

(In number of shares)		Grant date

Stock granted in 2024
		Jan. 13, 2024	17,523	0.00~2.54	8,697
		Jan. 31, 2024	297	0.00~2.59	206
		Apr. 1, 2024	89	0.00~2.75	50
		Jul. 1, 2024	38	0.00~3.00	25
		Aug. 1, 2024	141	0.00~3.09	91
		Sep. 2, 2024	14	0.00~3.18	8
		Nov. 1, 2024	55	0.00~3.34	44
		Dec. 4, 2024	26	0.00~3.43	22
		Dec. 19, 2024	88	0.00~3.47	50
		Dec. 30, 2024	73	0.00~3.50	72
Stock granted in 2025
		Jan. 11, 2025	11,977	0.00~3.53	8,623
		Feb. 6, 2025	162	0.00~3.61	102
		Apr. 1, 2025	38	0.00~3.75	13
		May. 9, 2025	13	0.00~3.86	7
		Jul. 1, 2025	18	0.00~4.00	18
		Nov. 3, 2025	26	0.00~4.35	26
		Dec. 5, 2025	21	0.00~4.43	21
		Dec. 26, 2025	68	0.00~4.49	68
		Dec. 29, 2025	16	0.00~4.50	16
Stock granted in 2026
		Jan. 7, 2026	8,380	0.00~4.52	8,008
		Jan. 8, 2026	120	0.00~4.53	118
		Mar. 18, 2026	10	0.00~4.72	10
		Apr. 1, 2026	14	0.00~4.75	14

			86,557		42,569

^1^	Assessed based on the stock price as of June 30, 2026. These shares are vested immediately at grant date.
:---	:---
^2^	Mileage stock is exercisable for four years after one year from the grant date at the closing price of the end<br>of the previous month. However, mileage stock can be exercised at the closing price of the end of the previous month on the date of occurrence of retirement or transfer despite a one-year grace period
:---	:---

24.2.2.2 The accrued expenses for share-based payments related to mileage stock are ~~W~~ 6,768 million and ~~W~~ 6,236 million as of June 30, 2026 and December 31, 2025, respectively. The compensation costs amounting to ~~W~~ 2,624 million and ~~W~~ 2,557 million were recognized as expenses for the six-month periods ended June 30, 2026 and 2025, respectively.

105

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

25. Income Tax Expense

25.1 Details of income tax expense for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026			2025
Income tax payable
Current income tax expense	~~W~~	1,002,354		~~W~~	935,539
Adjustments of income tax of prior years recognized in current tax		(27,007	)		(64,635	)

		975,347			870,904

Changes in deferred income tax assets and liabilities		432,781			179,158

Income tax recognized directly in equity and others
Remeasurements of net defined benefit liabilities		(23,894	)		(165	)
Currency translation differences		(25,477	)		29,761
Net gains or losses on financial assets at fair value through other comprehensive income		1,454,298			(209,651	)
Share of other comprehensive income or loss of associates and joint ventures		(229	)		819
Gains or losses on cash flow hedging instruments		174,685			10,831
Gains or losses on hedging instruments of net investments in foreign operations		42,892			(45,553	)
Fair value changes of financial liabilities designated at fair value through profit or loss due to<br>own credit risk		(639	)		3,837
Insurance finance income		(1,610,251	)		384,406

		11,385			174,285

Others		17,408			(21,302	)

Income tax expense	~~W~~	1,436,921		~~W~~	1,203,045

26. Dividends

The annual dividends to the shareholders of the Parent Company for the year ended December 31, 2025 amounting to ~~W~~ 573,768 million (~~W~~ 1,605 per share) were approved at the annual general shareholders’ meeting held on March 26, 2026 and were paid on April 15, 2026. In addition, on April 23, 2026, the Board of Directors resolved to pay a quarterly dividend amounting to ~~W~~ 405,088 million (~~W~~ 1,143 per share), with May 8, 2026 as the record date, and the dividend was paid on May 21, 2026.

Meanwhile, the annual dividends to the shareholders of the Parent Company for the year ended December 31, 2024 and quarterly dividend paid in 2025 were ~~W~~ 298,285 million (~~W~~ 804 per share) and ~~W~~ 1,004,006 million, respectively.

106

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

27. Accumulated Other Comprehensive Income (Loss)

Changes in accumulated other comprehensive income (loss) for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Beginning			Changes<br>except for<br>reclassifi-cation			Reclassification<br>to profit or loss			Transfer<br>within equity			Tax effect			Ending
Remeasurements of net defined benefit liabilities	~~W~~	(218,626	)	~~W~~	86,974		~~W~~	—		~~W~~	—		~~W~~	(23,894	)	~~W~~	(155,546	)
Currency translation differences		761,727			368,580			—			—			(25,477	)		1,104,830
Gains (losses) on financial instruments at fair value through other comprehensive income		(3,396,899	)		(5,484,058	)		(42,151	)		(3,786	)		1,454,298			(7,472,596	)
Share of other comprehensive loss of associates and joint ventures		(1,135	)		832			—			—			(229	)		(532	)
Gains (losses) on cash flow hedging instruments		(157,512	)		(544,048	)		(115,317	)		—			174,685			(642,192	)
Gains (losses) on hedging instruments of net investments in foreign operations		(276,478	)		(155,970	)		—			—			42,892			(389,556	)
Fair value changes of financial liabilities designated at fair value through profit or loss due to<br>own credit risk		(20,536	)		2,332			—			—			(639	)		(18,843	)
Finance gains or losses on insurance contract assets (liabilities)		2,842,003			5,855,456			—			—			(1,610,251	)		7,087,208

	~~W~~	(467,456	)	~~W~~	130,098		~~W~~	(157,468	)	~~W~~	(3,786	)	~~W~~	11,385		~~W~~	(487,227	)

107

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

27. Accumulated Other Comprehensive Income (Loss) (cont’d)

Changes in accumulated other comprehensive income (loss) for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Beginning			Changes<br>except for<br>reclassifi-cation			Reclassification<br>to profit or loss			Transfer<br>within equity		Tax effect			Ending
Remeasurements of net defined benefit liabilities	~~W~~	(247,241	)	~~W~~	15		~~W~~	—		~~W~~	—	~~W~~	(165	)	~~W~~	(247,391	)
Currency translation differences		809,089			(375,806	)		—			—		29,761			463,044
Gains (losses) on financial instruments at fair value through other comprehensive income		(1,518,990	)		821,964			(58,489	)		6,492		(209,651	)		(958,674	)
Share of other comprehensive loss of associates and joint ventures		(3,153	)		(3,125	)		(22	)		—		819			(5,481	)
Gains (losses) on cash flow hedging instruments		108,318			(283,019	)		241,977			—		10,831			78,107
Gains (losses) on hedging instruments of net investments in foreign operations		(316,109	)		172,547			—			—		(45,553	)		(189,115	)
Fair value changes of financial liabilities designated at fair value through profit or loss due to<br>own credit risk		(17,314	)		(14,544	)		—			—		3,837			(28,021	)
Finance gains or losses on insurance contract assets (liabilities)		1,682,322			(1,456,084	)		—			—		384,406			610,644

	~~W~~	496,922		~~W~~	(1,138,052	)	~~W~~	183,466		~~W~~	6,492	~~W~~	174,285		~~W~~	(276,887	)

108

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

28. Earnings per Share

28.1 Basic Earnings per Share

Basic earnings per share is calculated by dividing profit attributable to ordinary equity holders of the Parent Company by the weighted average number of ordinary shares outstanding.

28.1.1 Weighted average number of ordinary shares outstanding

(In number of shares)	2026						2025
	Three months			Six months			Three months			Six months
Number of issued ordinary shares		354,687,734			354,687,734			381,462,103			381,462,103
Number of treasury shares*		(1,300,000	)		(1,300,000	)		(17,310,128	)		(17,310,128	)

Weighted average number of ordinary shares outstanding		351,471,804			355,942,147			365,983,134			368,976,986

*	The effective dates for the treasury shares deducted through share retirements funded by distributable profits<br>during the six-month periods ended June 30, 2026 and 2025 were January 15, 2026, May 15, 2026, and May 15, 2025, respectively.
:---	:---

28.1.2 Basic earnings per share

(In Korean won except for number of shares)	2026
	Three months			Six months
Profit attributable to shareholders of the Parent Company	~~W~~	1,992,188,667,113		~~W~~	3,884,589,966,016
Deduction: Dividends on hybrid securities		(42,004,575,000	)		(86,812,650,000	)

Profit attributable to the ordinary equity holders of the Parent Company (A)		1,950,184,092,113			3,797,777,316,016
Weighted average number of ordinary shares outstanding (B)		351,471,804			355,942,147

Basic earnings per share (A/B)	~~W~~	5,549		~~W~~	10,670

(In Korean won except for number of shares)	2025
---	:---:	---	---	---	---	---
	Three months			Six months
Profit attributable to shareholders of the Parent Company	~~W~~	1,738,421,561,585		~~W~~	3,435,692,965,893
Deduction: Dividends on hybrid securities		(53,684,075,000	)		(103,318,150,000	)

Profit attributable to the ordinary equity holders of the Parent Company (A)		1,684,737,486,585			3,332,374,815,893
Weighted average number of ordinary shares outstanding (B)		365,983,134			368,976,986

Basic earnings per share (A/B)	~~W~~	4,603		~~W~~	9,031

109

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

28.2 Diluted Earnings per Share

Diluted earnings per share is calculated through increasing the weighted average number of ordinary shares outstanding by the weighted average number of additional ordinary shares that would have been outstanding assuming the conversion of all dilutive potential ordinary shares. The Group has dilutive potential ordinary shares such as stock grants.

A calculation is performed to determine the number of shares that could have been acquired at fair value (determined as the average market share price during the period) based on the monetary value of stock grants. The number of shares calculated above is compared with the number of shares that would have been issued assuming the settlement of stock grants.

28.2.1 Adjusted profit for diluted earnings per share

(In Korean won)		2026
		Three months				Six months
Profit attributable to shareholders of the Parent Company*		~~W~~	1,950,184,092,113			~~W~~	3,797,777,316,016
Adjustments:			—				—

Adjusted profit for diluted earnings per share		~~W~~	1,950,184,092,113			~~W~~	3,797,777,316,016

(In Korean won)		2025
---	---	:---:	---	---	---	---	---	---
		Three months				Six months
Profit attributable to shareholders of the Parent Company*		~~W~~	1,684,737,486,585			~~W~~	3,332,374,815,893
Adjustments:			—				—

Adjusted profit for diluted earnings per share		~~W~~	1,684,737,486,585			~~W~~	3,332,374,815,893

*	The amount is after deducting dividends on hybrid securities.
:---	:---

28.2.2 Weighted average number of ordinary shares outstanding for diluted earnings per share

(In number of shares)	2026				2025
	Three months		Six months		Three months		Six months
Weighted average number of ordinary shares outstanding		351,471,804		355,942,147		365,983,134		368,976,986
Adjustment:
Stock grants		2,564,579		2,862,093		3,055,324		3,367,388

Adjusted weighted average number of ordinary shares outstanding for diluted earnings per<br>share		354,036,383		358,804,240		369,038,458		372,344,374

110

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

28.2.3 Diluted earnings per share

(In Korean won except for number of shares)	2026				2025
	Three months		Six months		Three months		Six months
Adjusted profit for diluted earnings per share	~~W~~	1,950,184,092,113	~~W~~	3,797,777,316,016	~~W~~	1,684,737,486,585	~~W~~	3,332,374,815,893
Adjusted weighted average number of ordinary shares outstanding for diluted earnings per<br>share		354,036,383		358,804,240		369,038,458		372,344,374

Diluted earnings per share	~~W~~	5,508	~~W~~	10,585	~~W~~	4,565	~~W~~	8,950

111

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29. Insurance Contracts

29.1 Insurance Contracts Assets and Liabilities

29.1.1 Details of insurance contract assets and insurance contract liabilities as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)
	June 30, 2026
	Life insurance												Non-life insurance
	Death			Health			Pension		Variables		Compound		Long-term		General		Automobile		Overseas
Insurance contract assets	~~W~~	—		~~W~~	—		~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	354,951	~~W~~	24,037	~~W~~	—	~~W~~	—
Insurance contract liabilities		13,481,443			415,723			7,646,081		8,532,982		—		19,249,039		1,658,526		2,254,388		121,226

Net insurance contract liabilities	~~W~~	13,481,443		~~W~~	415,723		~~W~~	7,646,081	~~W~~	8,532,982	~~W~~	—	~~W~~	18,894,088	~~W~~	1,634,489	~~W~~	2,254,388	~~W~~	121,226

Reinsurance contract assets	~~W~~	1,055		~~W~~	1,268		~~W~~	—	~~W~~	—	~~W~~	8,379	~~W~~	434,044	~~W~~	852,337	~~W~~	1,164	~~W~~	71,379
Reinsurance contract liabilities		11,991			11,935			—		—		24		—		13,279		—		—

Net reinsurance contract assets (liabilities)	~~W~~	(10,936	)	~~W~~	(10,667	)	~~W~~	—	~~W~~	—	~~W~~	8,355	~~W~~	434,044	~~W~~	839,058	~~W~~	1,164	~~W~~	71,379

112

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.1.1 Details of insurance contract assets and insurance contract liabilities as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)
	December 31, 2025
	Life insurance												Non-life insurance
	Death			Health			Pension		Variables		Compound		Long-term		General		Automobile		Overseas
Insurance contract assets	~~W~~	—		~~W~~	—		~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	259,907	~~W~~	11,245	~~W~~	—	~~W~~	—
Insurance contract liabilities		15,003,063			559,250			7,744,119		7,238,057		—		22,447,953		1,506,831		2,155,573		135,184

Net insurance contract liabilities	~~W~~	15,003,063		~~W~~	559,250		~~W~~	7,744,119	~~W~~	7,238,057	~~W~~	—	~~W~~	22,188,046	~~W~~	1,495,586	~~W~~	2,155,573	~~W~~	135,184

Reinsurance contract assets	~~W~~	643		~~W~~	1,230		~~W~~	—	~~W~~	—	~~W~~	6,799	~~W~~	451,419	~~W~~	953,663	~~W~~	5,777	~~W~~	96,323
Reinsurance contract liabilities		18,064			16,030			—		—		—		41		25,513		—		—

Net reinsurance contract assets (liabilities)	~~W~~	(17,421	)	~~W~~	(14,800	)	~~W~~	—	~~W~~	—	~~W~~	6,799	~~W~~	451,378	~~W~~	928,150	~~W~~	5,777	~~W~~	96,323

113

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.2 Details of insurance service results for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Life insurance														Non-life insurance								Total
	Death			Health			Pension			Variables			Compound		Long-term		General		Automobile		Overseas
Insurance revenue:
Insurance contracts not applying the premium allocation approach:
Expected insurance claims and expenses	~~W~~	132,705		~~W~~	25,356		~~W~~	27,836		~~W~~	39,420		~~W~~	—	~~W~~	2,651,904	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	2,877,221
Changes in risk adjustment due to release of risk		9,084			2,060			5,178			5,286			—		109,761		—		—		—		131,369
Changes in contractual service margin recognized in profit or loss for the services<br>provided		130,034			13,751			25,098			80,424			—		452,728		—		—		—		702,035
Recovery of insurance acquisition cash flows		19,285			3,723			20,163			5,515			—		157,867		—		—		—		206,553
Other insurance revenues		(452	)		(236	)		(187	)		(219	)		—		—		—		—		—		(1,094	)

	~~W~~	290,656		~~W~~	44,654		~~W~~	78,088		~~W~~	130,426		~~W~~	—	~~W~~	3,372,260	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	3,916,084

Insurance revenue for insurance contracts applying the premium allocation approach		—			—			—			—			—		—		763,277		1,456,328		30,975		2,250,580

Total insurance revenue	~~W~~	290,656		~~W~~	44,654		~~W~~	78,088		~~W~~	130,426		~~W~~	—	~~W~~	3,372,260	~~W~~	763,277	~~W~~	1,456,328	~~W~~	30,975	~~W~~	6,166,664

114

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.2 Details of insurance service results for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2026
	Life insurance														Non-life insurance												Total
	Death			Health			Pension			Variables			Compound		Long-term			General			Automobile			Overseas
Insurance service expenses:
Incurred claims and expenses	~~W~~	(109,968	)	~~W~~	(39,618	)	~~W~~	(30,129	)	~~W~~	(41,334	)	~~W~~	—	~~W~~	(2,823,043	)	~~W~~	(491,131	)	~~W~~	(1,306,228	)	~~W~~	(13,766	)	~~W~~	(4,855,217	)
Amortization of insurance acquisition cash flows		(19,285	)		(3,723	)		(20,163	)		(5,515	)		—		(193,399	)		(84,202	)		(164,472	)		(1,573	)		(492,332	)
Changes in fulfilment cash flows relating to incurred claims		(4,263	)		(7,147	)		(81	)		(264	)		—		45,885			19,368			(10,635	)		—			42,863
Losses on onerous contracts and reversals		(11,704	)		(13,027	)		(10,471	)		23,784			—		102,318			1,695			—			—			92,595
Other insurance service expenses		(2,496	)		2,703			(4,063	)		(726	)		—		—			—			—			—			(4,582	)

Insurance service expenses for insurance contracts not applying the premium allocation<br>approach		(147,716	)		(60,812	)		(64,907	)		(24,055	)		—		(2,868,239	)		—			—			—			(3,165,729	)
Insurance service expenses for insurance contracts applying the premium allocation<br>approach		—			—			—			—			—		—			(554,270	)		(1,481,335	)		(15,339	)		(2,050,944	)

Total insurance service expenses	~~W~~	(147,716	)	~~W~~	(60,812	)	~~W~~	(64,907	)	~~W~~	(24,055	)	~~W~~	—	~~W~~	(2,868,239	)	~~W~~	(554,270	)	~~W~~	(1,481,335	)	~~W~~	(15,339	)	~~W~~	(5,216,673	)

Reinsurance income:
Recovery of incurred reinsurance claims and expenses		666			3,305			—			—			1,627		76,677			135,673			211			22,986			241,145
Changes in fulfilment cash flows relating to incurred claims		658			2,177			—			—			273		(14,803	)		10,088			(1,114	)		—			(2,721	)
Recognition and reversal of loss-recovery component		827			2,068			—			—			208		(8,174	)		(263	)		—			—			(5,334	)

Reinsurance income for reinsurance contracts not applying the premium allocation approach		2,151			7,550			—			—			2,108		53,315			—			—			—			65,124
Reinsurance income for reinsurance contracts applying the premium allocation approach		—			—			—			—			—		385			145,498			(903	)		22,986			167,966

Total reinsurance income	~~W~~	2,151		~~W~~	7,550		~~W~~	—		~~W~~	—		~~W~~	2,108	~~W~~	53,700		~~W~~	145,498		~~W~~	(903	)	~~W~~	22,986		~~W~~	233,090

115

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.2 Details of insurance service results for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2026
	Life insurance													Non-life insurance												Total
	Death			Health			Pension		Variables		Compound			Long-term			General			Automobile			Overseas
Reinsurance expense:
Reinsurance contracts not applying the premium allocation approach:
Expected recovery of incurred claims and expenses	~~W~~	(1,035	)	~~W~~	(1,031	)	~~W~~	—	~~W~~	—	~~W~~	(1,582	)	~~W~~	(86,883	)	~~W~~	—		~~W~~	—		~~W~~	—		~~W~~	(90,531	)
Changes in risk adjustment due to release of risk		(123	)		(76	)		—		—		(78	)		(3,250	)		—			—			—			(3,527	)
Changes in Contractual service margin recognized in profit or loss for the services<br>received		(1,062	)		(293	)		—		—		(980	)		(5,686	)		—			—			—			(8,021	)
Experience adjustments on reinsurance premiums for current and past service		939			(4,610	)		—		—		(955	)		14,331			—			—			—			9,705
Other reinsurance expenses		34			18			—		—		8			—			—			—			—			60

	~~W~~	(1,247	)	~~W~~	(5,992	)	~~W~~	—	~~W~~	—	~~W~~	(3,587	)	~~W~~	(81,488	)	~~W~~	—		~~W~~	—		~~W~~	—		~~W~~	(92,314	)

Reinsurance expenses for reinsurance contracts applying the premium allocation approach		—			—			—		—		—			(765	)		(292,062	)		(2,968	)		(39,256	)		(335,051	)

Total reinsurance expense		(1,247	)		(5,992	)		—		—		(3,587	)		(82,253	)		(292,062	)		(2,968	)		(39,256	)		(427,365	)

Total insurance service result	~~W~~	143,844		~~W~~	(14,600	)	~~W~~	13,181	~~W~~	106,371	~~W~~	(1,479	)	~~W~~	475,468		~~W~~	62,443		~~W~~	(28,878	)	~~W~~	(634)		~~W~~	755,716

116

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.2 Details of insurance service results for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Life insurance														Non-life insurance								Total
	Death			Health			Pension			Variables			Compound		Long-term		General		Automobile		Overseas
Insurance revenue:
Insurance contracts not applying the premium allocation approach:
Expected insurance claims and expenses	~~W~~	131,010		~~W~~	17,589		~~W~~	27,434		~~W~~	44,552		~~W~~	—	~~W~~	2,463,320	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	2,683,905
Changes in risk adjustment due to release of risk		8,761			1,354			4,287			3,112			—		100,970		—		—		—		118,484
Changes in Contractual service margin recognized in profit or loss for the services<br>provided		134,107			8,538			30,754			48,421			—		423,962		—		—		—		645,782
Recovery of insurance acquisition cash flows		15,887			2,048			15,740			5,740			—		129,388		—		—		—		168,803
Other insurance revenues		(232	)		(186	)		(142	)		(312	)		—		—		—		—		—		(872	)

	~~W~~	289,533		~~W~~	29,343		~~W~~	78,073		~~W~~	101,513		~~W~~	—	~~W~~	3,117,640	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	3,616,102

Insurance revenue for insurance contracts applying the premium allocation approach		—			—			—			—			—		—		689,604		1,397,143		32,413		2,119,160

Total insurance revenue	~~W~~	289,533		~~W~~	29,343		~~W~~	78,073		~~W~~	101,513		~~W~~	—	~~W~~	3,117,640	~~W~~	689,604	~~W~~	1,397,143	~~W~~	32,413	~~W~~	5,735,262

117

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.2 Details of insurance service results for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Life insurance														Non-life insurance												Total
	Death			Health			Pension			Variables			Compound		Long-term			General			Automobile			Overseas
Insurance service expenses:
Incurred claims and expenses	~~W~~	(93,293	)	~~W~~	(18,461	)	~~W~~	(22,541	)	~~W~~	(39,851	)	~~W~~	—	~~W~~	(2,526,329	)	~~W~~	(572,117	)	~~W~~	(1,213,144	)	~~W~~	(10,842	)	~~W~~	(4,496,578	)
Amortization of insurance acquisition cash flows		(15,886	)		(2,048	)		(15,740	)		(5,740	)		—		(153,872	)		(78,413	)		(157,303	)		(1,670	)		(430,672	)
Changes in fulfilment cash flows relating to incurred claims		(7,016	)		(2,055	)		(128	)		(2,619	)		—		73,471			9,205			(10,023	)		—			60,835
Losses on onerous contracts and reversals		(2,030	)		(1,634	)		(11,705	)		10,197			—		6,754			252			—			—			1,834
Other insurance service expenses		(618	)		18			6,292			(2,012	)		—		—			—			—			—			3,680

Insurance service expenses for insurance contracts not applying the premium allocation<br>approach		(118,843	)		(24,180	)		(43,822	)		(40,025	)		—		(2,599,976	)		—			—			—			(2,826,846	)
Insurance service expenses for insurance contracts applying the premium allocation<br>approach		—			—			—			—			—		—			(641,073	)		(1,380,470	)		(12,512	)		(2,034,055	)

Total insurance service expenses	~~W~~	(118,843	)	~~W~~	(24,180	)	~~W~~	(43,822	)	~~W~~	(40,025	)	~~W~~	—	~~W~~	(2,599,976	)	~~W~~	(641,073	)	~~W~~	(1,380,470	)	~~W~~	(12,512	)	~~W~~	(4,860,901	)

Reinsurance income:
Recovery of incurred reinsurance claims and expenses		455			945			—			—			1,215		88,843			283,839			727			18,910			394,934
Changes in fulfilment cash flows relating to incurred claims		2,701			226			—			—			27		7,320			5,613			1,526			—			17,413
Recognition and reversal of loss-recovery component		59			120			—			—			195		(3,737	)		168			—			—			(3,195	)

Reinsurance income for reinsurance contracts not applying the premium allocation approach		3,215			1,291			—			—			1,437		90,880			—			—			—			96,823
Reinsurance income for reinsurance contracts applying the premium allocation approach		—			—			—			—			—		1,546			289,620			2,253			18,910			312,329

Total reinsurance income	~~W~~	3,215		~~W~~	1,291		~~W~~	—		~~W~~	—		~~W~~	1,437	~~W~~	92,426		~~W~~	289,620		~~W~~	2,253		~~W~~	18,910		~~W~~	409,152

118

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.2 Details of insurance service results for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Life insurance													Non-life insurance												Total
	Death			Health			Pension		Variables		Compound			Long-term			General			Automobile			Overseas
Reinsurance expense:
Reinsurance contracts not applying the premium allocation approach:
Expected recovery of incurred claims and expenses	~~W~~	(716	)	~~W~~	(1,039	)	~~W~~	—	~~W~~	—	~~W~~	(1,163	)	~~W~~	(84,631	)	~~W~~	—		~~W~~	—		~~W~~	—		~~W~~	(87,549	)
Changes in risk adjustment due to release of risk		(101	)		(80	)		—		—		(83	)		(4,377	)		—			—			—			(4,641	)
Changes in contractual service margin recognized in profit or loss for the services<br>received		(819	)		(379	)		—		—		(1,189	)		(1,538	)		—			—			—			(3,925	)
Experience adjustments on reinsurance premiums for current and past service		504			907			—		—		177			(4,365	)		—			—			—			(2,777	)
Other reinsurance expenses		20			9			—		—		15			—			—			—			—			44

	~~W~~	(1,112	)	~~W~~	(582	)	~~W~~	—	~~W~~	—	~~W~~	(2,243	)	~~W~~	(94,911	)	~~W~~	—		~~W~~	—		~~W~~	—		~~W~~	(98,848	)

Reinsurance expenses for reinsurance contracts applying the premium allocation approach		—			—			—		—		—			(635	)		(289,269	)		(3,868	)		(41,004	)		(334,776	)

Total reinsurance expense		(1,112	)		(582	)		—		—		(2,243	)		(95,546	)		(289,269	)		(3,868	)		(41,004	)		(433,624	)

Total insurance service result	~~W~~	172,793		~~W~~	5,872		~~W~~	34,251	~~W~~	61,488	~~W~~	(806	)	~~W~~	514,544		~~W~~	48,882		~~W~~	15,058		~~W~~	(2,193	)	~~W~~	849,889

119

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.3 Details of insurance finance income and expenses for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Life insurance								Non-life insurance												Total
	Retirement			Variables		Others			Long-term			General and<br>Automobile			Overseas			Others
Investment income (expenses)
Investment income (expenses) recognized in profit or loss:
Net interest income (expense)	~~W~~	12,443		~~W~~	41,979	~~W~~	309,565		~~W~~	325,351		~~W~~	67,685		~~W~~	2,593		~~W~~	(33,464	)	~~W~~	726,152
Dividend income		1,479			15,309		11,489			8,413			7,991			5			25,709			70,395
Gain (loss) on valuation and disposal of securities		1,246			1,835,466		15,679			(7,960	)		(287	)		(633	)		32,273			1,875,784
Gain (loss) on valuation and disposal of loans and other receivables		—			—		—			(15,583	)		2,092			—			(2,373	)		(15,864	)
Gain (loss) related to derivatives		(4,211	)		33,768		(147,248	)		(185,376	)		(157,911	)		—			(12,912	)		(473,890	)
Gain (loss) related to investments in subsidiaries		—			—		(225	)		(1,269	)		—			—			3,537			2,043
Foreign exchange gain (loss)		3,638			63,793		157,397			172,357			142,016			313			8,863			548,377
Other investment income (loss)		(13,886	)		14,723		50,881			(22,121	)		206,861			(426	)		(21,924	)		214,108

		709			2,005,038		397,538			273,812			268,447			1,852			(291	)		2,947,105

Investment income (expenses) recognized in other comprehensive income		(14,028	)		—		(2,452,120	)		(2,928,688	)		(110,248	)		(321	)		(150,162	)		(5,655,567	)

Total investment income (expenses)	~~W~~	(13,319	)	~~W~~	2,005,038	~~W~~	(2,054,582	)	~~W~~	(2,654,876	)	~~W~~	158,199		~~W~~	1,531		~~W~~	(150,453	)	~~W~~	(2,708,462	)

120

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.3 Details of insurance finance income and expenses for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2026
	Life insurance								Non-life insurance											Total
	Retirement		Variables			Others			Long-term			General and<br>Automobile			Overseas			Others
Insurance finance income (expenses)
Insurance finance income (expenses) recognized in profit or loss:
Net interest income (expense)	~~W~~	—	~~W~~	(231	)	~~W~~	(411,302	)	~~W~~	(376,024	)	~~W~~	(16,053	)	~~W~~	—		~~W~~	—	~~W~~	(803,610	)
Effect of changes in discount rates and financial assumptions		—		—			577			—			—			—			—		577
Effect of exchange rate fluctuations		—		(6,777	)		(22,854	)		—			(37,928	)		—			—		(67,559	)
Changes in the fair value of the underlying assets of insurance contract with direct participation<br>features		—		(2,005,066	)		—			—			—			—			—		(2,005,066	)
Other insurance finance income (expenses)		—		—			—			(274	)		(974	)		(82	)		—		(1,330	)

		—		(2,012,074	)		(433,579	)		(376,298	)		(54,955	)		(82	)		—		(2,876,988	)

Insurance finance income (expenses) recognized in other comprehensive income		—		—			2,501,400			3,337,185			8,486			—			—		5,847,071

Total insurance finance income (expenses)	~~W~~	—	~~W~~	(2,012,074	)	~~W~~	2,067,821		~~W~~	2,960,887		~~W~~	(46,469	)	~~W~~	(82	)	~~W~~	—	~~W~~	2,970,083

121

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.3 Details of insurance finance income and expenses for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2026
	Life insurance									Non-life insurance											Total
	Retirement			Variables			Others			Long-term			General and<br>Automobile			Overseas		Others
Reinsurance finance income (expenses)
Reinsurance finance income (expenses) recognized in profit or loss:
Net interest income (expense)	~~W~~	—		~~W~~	—		~~W~~	(521	)	~~W~~	8,521		~~W~~	5,480		~~W~~	—	~~W~~	—		~~W~~	13,480
Effect of changes in discount rates and financial assumptions		—			—			(2	)		—			—			—		—			(2	)
Effect of exchange rate fluctuations		—			—			(19	)		—			39,005			—		—			38,986
Other reinsurance finance income (expenses)		—			—			(4	)		1,839			35,968			6		—			37,809

		—			—			(546	)		10,360			80,453			6		—			90,273

Reinsurance finance income (expenses) recognized in other comprehensive income		—			—			11,567			(426	)		(2,756	)		—		—			8,385

Total reinsurance finance income (expenses)	~~W~~	—		~~W~~	—		~~W~~	11,021		~~W~~	9,934		~~W~~	77,697		~~W~~	6	~~W~~	—		~~W~~	98,658

Total	~~W~~	(13,319	)	~~W~~	(7,036	)	~~W~~	24,260		~~W~~	315,945		~~W~~	189,427		~~W~~	1,455	~~W~~	(150,453	)	~~W~~	360,279

122

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.3 Details of insurance finance income and expenses for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Life insurance									Non-life insurance												Total
	Retirement			Variables			Others			Long-term			General and<br>Automobile			Overseas			Others
Investment income (expenses)
Investment income (expenses) recognized in profit or loss:
Net interest income (expense)	~~W~~	6,516		~~W~~	43,780		~~W~~	285,450		~~W~~	304,730		~~W~~	73,094		~~W~~	3,732		~~W~~	(24,551	)	~~W~~	692,751
Dividend income		—			15,945			9,572			7,091			8,381			4			12,287			53,280
Gain (loss) on valuation and disposal of securities		(56	)		420,681			(27,948	)		76,188			22,456			131			15,274			506,726
Gain (loss) on valuation and disposal of loans and other receivables		—			—			—			(68	)		2,560			—			(1,388	)		1,104
Gain (loss) related to derivatives		2,618			17,888			91,684			120,624			124,115			—			—			356,929
Gain (loss) related to investments in subsidiaries		—			—			(334	)		(310	)		—			—			—			(644	)
Foreign exchange gain (loss)		(3,094	)		(66,130	)		(131,599	)		(139,450	)		(131,797	)		11			—			(472,059	)
Other investment income (loss)		(9,184	)		15,992			51,921			(47,589	)		158,149			(323	)		(1,826	)		167,140

		(3,200	)		448,156			278,746			321,216			256,958			3,555			(204	)		1,305,227

Investment income (expenses) recognized in other comprehensive income		4,350			—			294,581			52,808			28,322			677			39,518			420,256

Total investment income (expenses)	~~W~~	1,150		~~W~~	448,156		~~W~~	573,327		~~W~~	374,024		~~W~~	285,280		~~W~~	4,232		~~W~~	39,314		~~W~~	1,725,483

123

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.3 Details of insurance finance income and expenses for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Life insurance								Non-life insurance										Total
	Retirement		Variables			Others			Long-term			General and<br>Automobile			Overseas		Others
Insurance finance income (expenses)
Insurance finance income (expenses) recognized in profit or loss:
Net interest income (expense)	~~W~~	—	~~W~~	(446	)	~~W~~	(376,854	)	~~W~~	(353,921	)	~~W~~	(17,436	)	~~W~~	—	~~W~~	—	~~W~~	(748,657	)
Effect of changes in discount rates and financial assumptions		—		—			432			—			—			—		—		432
Effect of exchange rate fluctuations		—		7,832			21,788			—			33,993			—		—		63,613
Changes in the fair value of the underlying assets of insurance contract with direct participation<br>features		—		(448,584	)		—			—			—			—		—		(448,584	)
Other insurance finance income (expenses)		—		—			—			(1,242	)		(30	)		192		—		(1,080	)

		—		(441,198	)		(354,634	)		(355,163	)		16,527			192		—		(1,134,276	)

Insurance finance income (expenses) recognized in other comprehensive income		—		(40	)		(608,799	)		(851,322	)		(6,661	)		—		—		(1,466,822	)

Total insurance finance income (expenses)	~~W~~	—	~~W~~	(441,238	)	~~W~~	(963,433	)	~~W~~	(1,206,485	)	~~W~~	9,866		~~W~~	192	~~W~~	—	~~W~~	(2,601,098	)

124

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

29.3 Details of insurance finance income and expenses for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Life insurance							Non-life insurance										Total
	Retirement		Variables		Others			Long-term			General and<br>Automobile			Overseas		Others
Reinsurance finance income (expenses)
Reinsurance finance income (expenses) recognized in profit or loss:
Net interest income (expense)	~~W~~	—	~~W~~	—	~~W~~	(513	)	~~W~~	8,770		~~W~~	4,293		~~W~~	—	~~W~~	—	~~W~~	12,550
Effect of changes in discount rates and financial assumptions		—		—		—			—			—			—		—		—
Effect of exchange rate fluctuations		—		—		30			—			(42,289	)		—		—		(42,259	)
Other reinsurance finance income (expenses)		—		—		—			2,973			11,530			84		—		14,587

		—		—		(483	)		11,743			(26,466	)		84		—		(15,122	)

Reinsurance finance income (expenses) recognized in other comprehensive income		—		—		4,269			2,424			3,742			—		—		10,435

Total reinsurance finance income (expenses)	~~W~~	—	~~W~~	—	~~W~~	3,786		~~W~~	14,167		~~W~~	(22,724	)	~~W~~	84	~~W~~	—	~~W~~	(4,687	)

Total	~~W~~	1,150	~~W~~	6,918	~~W~~	(386,320	)	~~W~~	(818,294	)	~~W~~	272,422		~~W~~	4,508	~~W~~	39,314	~~W~~	(880,302	)

125

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

30. Statements of Cash Flows

30.1 Details of cash and cash equivalents as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026			December 31,<br>2025
Cash		~~W~~	2,368,675		~~W~~	2,074,714
Checks issued by other banks			197,398			134,454
Due from the Bank of Korea			23,018,003			17,332,054
Due from other financial institutions			19,034,268			15,235,655
Disposal group held for sale ^1^			859			5,858

			44,619,203			34,782,735

Due from financial institutions measured at fair value through profit or loss			63,347			64,437

			44,682,550			34,847,172

Deduction:
Restricted due from financial institutions^2^			(8,100,518	)		(4,843,682	)
Due from financial institutions with original maturities over three months			(1,078,214	)		(982,926	)

			(9,178,732	)		(5,826,608	)

		~~W~~	35,503,818		~~W~~	29,020,564

^1^	The cash and deposits classified as a disposal group held for sale as of June 30, 2026 and<br>December 31, 2025 are included.
:---	:---
^2^	Items meeting the definition of cash are excluded.
:---	:---

30.2 Cash inflows and outflows from income tax, interest, and dividends for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	Activities	2026		2025
Income tax paid	Operating	~~W~~	469,224	~~W~~	391,612
Interest received	Operating		13,989,850		14,608,449
Interest paid	Operating		6,142,854		6,842,606
Dividends received	Operating		354,352		313,473
Dividends paid	Financing		1,065,669		735,940

126

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

31. Contingent Liabilities and Commitments

31.1 Details of acceptances and guarantees as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026		December 31,<br>2025
Confirmed acceptances and guarantees
Confirmed acceptances and guarantees in Korean won:
Acceptances and guarantees for KB purchasing loan	~~W~~	139,951	~~W~~	110,728
Others		1,147,170		1,028,783

		1,287,121		1,139,511

Confirmed acceptances and guarantees in foreign currencies:
Acceptances of letter of credit		153,397		215,808
Letter of guarantees		57,651		76,496
Bid bond		13,420		2,253
Performance bond		1,953,158		2,039,924
Refund guarantees		3,260,082		3,277,694
Others		5,634,660		4,787,138

		11,072,368		10,399,313

Financial guarantee contracts:
Acceptances and guarantees for mortgage		23,341		19,673
Overseas debt guarantees		502,711		406,900
International financing guarantees in foreign currencies		1,264,085		1,138,481
Others		221,705		263,823

		2,011,842		1,828,877

		14,371,331		13,367,701

Unconfirmed acceptances and guarantees
Guarantees of letter of credit		3,091,880		2,537,195
Refund guarantees		1,446,061		1,427,424

		4,537,941		3,964,619

	~~W~~	18,909,272	~~W~~	17,332,320

127

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

31.2 Details of commitments as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026		December 31,<br>2025
Commitments
Corporate loan commitments	~~W~~	58,423,297	~~W~~	56,218,691
Retail loan commitments		60,561,488		58,406,337
Credit line of credit cards		93,232,194		89,718,829
Purchase of other securities		10,752,825		9,133,299

		222,969,804		213,477,156

Financial guarantee contracts
Credit line		2,212,818		3,689,143
Purchase of securities		2,893,442		1,691,300

		5,106,260		5,380,443

	~~W~~	228,076,064	~~W~~	218,857,599

31.3 Other Matters

a) As of June 30, 2026, the Group has 110 pending lawsuits as a plaintiff (excluding simple lawsuits related to the collection or management of loans), with aggregate claims amount of ~~W~~466,510 million, and 374 pending lawsuits as a defendant (excluding simple lawsuits related to the collection or management of loans) with aggregate claims amount of ~~W~~1,191,885 million, arising from business activities. Additional losses resulting from the outcomes of these lawsuits are not predictable. Details of major pending lawsuits in which the Group is a defendant are as follows:

(In number of cases, in millions of Korean won)
Company		Lawsuits		No. of<br>cases		Amount				Description of the lawsuits		Status of the lawsuits
Kookmin Bank		Request for a return of redemption amount		1		~~W~~	64,759			Kookmin Bank invested the assets entrusted by OO Invest Trust Management in the Fairfield Sentry Limited and Fairfield Sentry Limited<br>reinvested the assets in Bernard L. Madoff Investment Securities LLC managed by Bernard Madoff. (Bernard L. Madoff Investment Securities LLC is in the liquidation process due to Ponzi scheme fraud-related losses.)<br><br>Bankruptcy trustee of Bernard L. Madoff Investment Securities LLC filed a lawsuit<br>against Kookmin Bank seeking the return of redemptions received by Kookmin Bank through Fairfield Sentry Limited.		The defendant’s motion to dismiss was denied, and the case is currently proceeding on the merits. [Related litigation is pending<br>before the U.S Bankruptcy Court for the Southern District of New York (Case No. 10-3777)]<br><br>The financial impact on Kookmin Bank is not significant because the likelihood of winning the lawsuit is high

128

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

31.3 Other Matters (cont’d)

(In number of cases, in millions of Korean won)
Company		Lawsuits		No. of<br>cases		Amount			Description of the lawsuits		Status of the lawsuits
Kookmin Bank		Return of unjust enrichment		1			168,400		As MTS Bank, which was trading with Kookmin Bank through a foreign exchange account, was listed on the SDN (Specifically Designated<br>Nationals) list of the Office of Foreign Assets Control (OFAC) under the U.S. Treasury Department, Kookmin Bank froze the foreign currency account in the name of MTS Bank.<br><br>Accordingly, MTS Bank filed a lawsuit seeking the return of the account balance to the Moscow City Commercial Court in Russia		Responding in accordance with the schedule of the local court proceedings (following the first-instance judgment rendered against the Bank on<br>December 2, 2025, the Bank is currently responding to the appellate proceedings).<br><br>Due to compliance with U.S. OFAC regulations, it is difficult to predict the likelihood of success in the litigation being conducted before the Russian courts.<br>However, the amount in dispute can be covered by the balance in the plaintiff’s account, and a financial impact equivalent to delayed interest is expected for Kookmin Bank.

129

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

31.3 Other Matters (cont’d)

(In number of cases, in millions of Korean won)
Company		Lawsuits		No. of<br>cases		Amount			Description of the lawsuits		Status of the lawsuits
KB Securities Co., Ltd.		Request for the return of unjust enrichment and transaction amount (Australian fund)		1			34,453		As an investment broker for a private fund that lends money to a corporation (borrower) investing in Australian disability apartment rental business, KB Securities Co., Ltd. brokered investments of ~~W~~326,500 million<br>in trust products and funds to individual and institutional investors. However, due to the local Australian borrower’s breach of contract, the fund management was suspended, and related to this, a lawsuit was filed against KB Securities Co.,<br>Ltd. for the return of unjust enrichment and transaction amount.		The second trial is in progress (The first trial: On February 14, 2024, a ruling was made to pay the principal investment of ~~W~~12,200 million and the delayed interest on it.)

Meanwhile, the Group has recognized a provision for litigation amounting to ~~W~~75,867 million in the financial statements in relation to the pending lawsuit in which it is a defendant as of June 30, 2026 (Note 17.5).

130

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

31.3 Other Matters (cont’d)

b) As of June 30, 2026, there are a total of five pending lawsuits related to the wage peak system, amounting to ~~W~~37,289 million. This includes four cases for Kookmin Bank with a total claim amount of ~~W~~37,125 million, and one case for KB Life Insurance Co., Ltd. with a claim amount of ~~W~~164 million. The amount and timing of potential outflows of resources are currently unpredictable.

c) As of June 30, 2026, KB Real Estate Trust Co., Ltd. is undertaking 12 completion-guaranteed land trust projects (including Busan Kyungbo Industrial Development project), under which it assumes the obligations to complete construction of the contractor fails to fulfill its completion obligations, and is liable to compensate the lending financial institutions for any losses arising from any failure to fulfill such obligations.

The total PF loan commitment limit related to these completion-guarantee land trust projects amounted to ~~W~~1,131,200 million, of which ~~W~~841,300 million represents outstanding balance (including unpaid interest) as of June 30, 2026. In connection with these projects, the Group recognized provisions totaling ~~W~~9,200 million as of June 30, 2026 for the expected losses associated with trust-account exposures arising from the completion obligations. In addition, the Group recognized additional provisions totaling ~~W~~319,100 million as of June 30, 2026 for the estimated losses related to potential liability for damages that may arise if the completion obligations are not fulfilled.

As of June 30, 2026, a total of 11 projects (all of which have been completed) remain where completion obligations were not fulfilled within the contractual period. The PF loan commitment limits for these projects amount to ~~W~~1,034,600 million, and outstanding balance (including unpaid interest) amount to ~~W~~805,100 million. Of these, eight completed projects are subject to ongoing litigation, involving a total of 15 legal cases with an aggregate claim amount of ~~W~~496,500 million; the PF loan commitment limits and outstanding balance (including unpaid interest) for these projects amount to ~~W~~881,100 million and ~~W~~734,800 million, respectively.

d) During the year ended December 31, 2024, the Financial Supervisory Service conducted regular inspections covering the overall operations of the subsidiaries, Kookmin Bank and KB Life Insurance Co., Ltd., and during the year ended December 31, 2025, conducted a regular inspection covering the overall operations of the subsidiary, KB Securities Co., Ltd.

In this regard, the subsidiaries, Kookmin Bank, KB Life Insurance Co., Ltd., and KB Securities Co., Ltd., have received the inspection results from the Financial Supervisory Service. Certain sanctions and corrective action requirements for each company are expected to be additionally notified in the future.

e) Kookmin Bank and KB Securities Co., Ltd. are currently under investigation by the Fair-Trade Commission regarding alleged collusive conduct among financial institutions. The outcome of the investigation cannot be predicted at this time.

f) As of June 30, 2026, KB PRASAC BANK PLC. is currently undergoing a tax audit by the tax authorities. The outcome of the tax audit cannot be predicted at this time.

131

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

31.3 Other Matters (cont’d)

g) As of June 30, 2026, PT Bank KB Indonesia Tbk. is currently undergoing a tax audit by the tax authorities. The outcome of the tax audit cannot be predicted at this time.

h) On April 7, 2023, Kookmin Bank entered into a share subscription right transfer agreement with STIC Eugene Star Holdings Inc. (hereinafter referred to as “STIC”), under which STIC agreed to acquire 31,900,000,000 newly issued shares at a price of IDR 3.19 trillion to be issued in a capital increase by PT Bank KB Indonesia Tbk, a subsidiary of Kookmin Bank.

As a result of the agreement, after STIC’s acquisition of the shares, Kookmin Bank holds a call option to purchase the shares held by STIC for a six-month period commencing 2 years and 6 months after the acquisition date. Kookmin Bank did not exercise the call option during the exercise period, and accordingly, STIC holds a put option to sell the shares to Kookmin Bank within one year following the expiration of the call option exercise period.

i) As of June 30, 2026, KB Real Estate Trust Co., Ltd. may lend up to ~~W~~4,424,700 million to trust accounts, which represents a portion of the total project cost related to borrowing-type land trust contracts (including maintenance and redevelopment projects). Whether KB Real Estate Trust Co., Ltd. provides such trust account loans does not constitute an unconditional payment obligation and is determined after comprehensively considering various factors, including the funding plan of its own accounts and the cash flow projections of the trust business.

j) On July 1, 2025, Kookmin Bank entered into a share purchase agreement with a third party for the sale of its equity interest in its subsidiary, PT KB Bukopin Finance, and is currently in the process of carrying out the procedures necessary to complete the disposal. Upon completion of the transaction as planned, Kookmin Bank will lose control over PT KB Bukopin Finance.

k) As of June 30, 2026, the tax audit of KB Capital Co., Ltd. has been completed, and the assessed tax amount is scheduled to be paid during the third quarter of 2026.

l) Pursuant to the plan to establish a financial holding company approved by the Indonesian Financial Services Authority (OJK) on August 5, 2026, the Group plans to transfer all shares in its Indonesian subsidiaries held by subsidiaries within the Group to a financial holding company to be established in Indonesia. The financial holding company will become a subsidiary of Kookmin Bank. The related restructuring of the ownership structure is required to be completed within one year from the date of approval.

m) On August 13, 2026, KB Kookmin Bank Co., Ltd. received a notice of tax audit from the Seoul Regional Tax Office. The outcome of the tax audit cannot be predicted at this time.

132

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

32. Subsidiaries

32.1 Details of major consolidated subsidiaries as of June 30, 2026, are as follows:

Investor	Investee		Location	Date of<br>financial<br>statements	Industry
KB Financial Group Inc.	Kookmin Bank	100.00	Korea	Jun. 30	Banking and foreign exchange transaction
	KB Kookmin Card Co., Ltd.	100.00	Korea	Jun. 30	Credit card and installment financing
	KB Asset Management Co., Ltd.	100.00	Korea	Jun. 30	Collective investment and advisory
	KB Capital Co., Ltd.	100.00	Korea	Jun. 30	Financial Leasing
	KB Savings Bank Co., Ltd.	100.00	Korea	Jun. 30	Savings banking
	KB Real Estate Trust Co., Ltd.	100.00	Korea	Jun. 30	Real estate trust management
	KB Investment Co., Ltd.	100.00	Korea	Jun. 30	Capital investment
	KB Data System Co., Ltd.	100.00	Korea	Jun. 30	Software advisory, development, and supply
	KB Securities Co., Ltd.	100.00	Korea	Jun. 30	Financial investment
	KB Insurance Co., Ltd.	100.00	Korea	Jun. 30	Non-life insurance
	KB Life Insurance Co., Ltd.	100.00	Korea	Jun. 30	Life insurance
Kookmin Bank	KB PRASAC BANK PLC.	100.00	Cambodia	Jun. 30	Banking and foreign exchange transaction
	Kookmin Bank China Ltd.	100.00	China	Jun. 30	Banking and foreign exchange transaction
	KB Microfinance Myanmar Co., Ltd.	100.00	Myanmar	Jun. 30	Microfinance services
	PT Bank KB Bukopin Syariah ^5^	95.92	Indonesia	Jun. 30	Banking
	PT KB Bukopin Finance ^6 8^	99.24	Indonesia	Jun. 30	Installment financing
	KB Bank Myanmar Co., Ltd.	100.00	Myanmar	Jun. 30	Banking and foreign exchange transaction
	KB FUND PARTNERS Co., Ltd.	100.00	Korea	Jun. 30	Other financial services

133

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

32.1 Details of major consolidated subsidiaries as of June 30, 2026, are as follows: (cont’d)

Investor	Investee		Location	Date of<br>financial<br>statements	Industry
Kookmin Bank, KB Kookmin Card Co., Ltd., KB Securities Co., Ltd., KB Insurance Co., Ltd., KB<br>Capital Co., Ltd.	PT Bank KB Indonesia,Tbk. ^7^	67.57	Indonesia	Jun. 30	Banking and foreign exchange transaction
KB Securities Co., Ltd.	KBFG Securities America Inc.	100.00	United<br>States	Jun. 30	Investment advisory and securities trading
	KB Securities Hong Kong Ltd.	100.00	China	Jun. 30	Investment advisory and securities trading
	KB SECURITIES VIETNAM JOINT STOCK COMPANY	99.81	Vietnam	Jun. 30	Investment advisory and securities trading
	KB FINA COMPANY LIMITED ^4^	100.00	Vietnam	Jun. 30	Investment advisory and securities trading
	PT KB VALBURY SEKURITAS	65.00	Indonesia	Jun. 30	Investment advisory and securities trading
KB Insurance Co., Ltd.	Leading Insurance Services, Inc.	100.00	United<br>States	Jun. 30	Management service
	KBFG Insurance(China) Co., Ltd.	100.00	China	Jun. 30	Non-life insurance
	PT. KB Insurance Indonesia	70.00	Indonesia	Jun. 30	Non-life insurance
	KB Claims Survey & Adjusting	100.00	Korea	Jun. 30	Claim service
	KB Sonbo CNS	100.00	Korea	Jun. 30	Management service
	KB Healthcare Co., Ltd.	100.00	Korea	Jun. 30	Information and communication
KB Life Insurance Co., Ltd.	KB Life Partners Co., Ltd.	100.00	Korea	Jun. 30	Insurance agent
	KB Golden Life Care Co., Ltd.	100.00	Korea	Jun. 30	Service
KB Kookmin Card Co., Ltd.	KB Credit Information Co., Ltd.	100.00	Korea	Jun. 30	Collection of receivables or credit investigation
	KB Daehan Specialized Bank Plc.^2^	97.50	Cambodia	Jun. 30	Specialized Credit Finance
	PT. KB Finansia Multi Finance	85.00	Indonesia	Jun. 30	Specialized Credit Finance
	KB J Capital Co., Ltd.	77.40	Thailand	Jun. 30	Specialized Credit Finance
KB Capital Co., Ltd.	PT Sunindo Kookmin Best Finance	85.00	Indonesia	Jun. 30	Auto Installment finance
	KB Fintech Co., Ltd.^3^	95.95	Korea	Jun. 30	E-commerce

134

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

32.1 Details of major consolidated subsidiaries as of June 30, 2026, are as follows: (cont’d)

Investor		Investee		Location	Date of<br>financial<br>statements	Industry
KB Kookmin Card Co., Ltd., KB Capital Co., Ltd.		KB KOLAO Leasing Co., Ltd.	80.00	Laos	Jun. 30	Auto Installment finance
Kookmin Bank, KB Data System Co., Ltd.		PT KB Data Systems Indonesia	100.00	Indonesia	Jun. 30	Service
KB Asset Management Co., Ltd.		PT KB Valbury Capital Management ^1^	70.00	Indonesia	Jun. 30	Collective investment
		KB Asset Management Singapore PTE. LTD.	100.00	Singapore	Jun. 30	Collective investment
^1^	During the first quarter of 2024, PT Valbury Capital Management was changed from a sub-subsidiary of KB<br>Securities Co., Ltd. to a subsidiary of KB Asset Management Co., Ltd., and its name was changed to PT KB Valbury Asset Management during the second quarter of 2024.
:---	:---
^2^	KB DAEHAN SPECIALIZED BANK PLC. (merging entity) merged with i-Finance Leasing PLC. (merged entity) on<br>December 19, 2024.
:---	:---
^3^	On October 14, 2024, Teamwink Co., Ltd. changed its name to KB Fintech Co., Ltd.
:---	:---
^4^	During the first quarter of 2025, KB FINA Joint Stock Company changed its name to KB FINA COMPANY LIMITED.
:---	:---
^5^	During the third quarter of 2025, PT Bank Syariah Bukopin changed its name to PT Bank KB Bukopin Syariah.
:---	:---
^6^	During the third quarter of 2025, PT Bukopin Finance changed its name to PT KB Bukopin Finance.
:---	:---
^7^	During the third quarter of 2025, PT Bank KB Bukopin,Tbk. changed its name to PT Bank KB Indonesia,Tbk.
:---	:---
^8^	The disposal group was classified as held for sale, as of June 30, 2026.
:---	:---

32.2 Details of consolidated structured entities as of June 30, 2026, are as follows:

	Consolidated structured entities	Reasons for consolidation
Trusts	Kookmin Bank (development trust) and 10 others	The Group controls the trust because it has power to determine management performance of the trust and is significantly exposed to variable returns that absorb losses through the guarantees of payment of principal, or payment of<br>principal and fixed rate of return.
Asset-backed securitization	Taejon Samho The First Co., Ltd. and 81 others	The Group controls these investees because it has power over relevant activities in the event of default, is significantly exposed to variable returns by providing lines of credit or ABCP purchase commitments or acquiring<br>subordinated debt and has ability to affect those returns through its power.
Investment funds and others	KB Global Platform Fund No.2 and 253 others	Funds are consolidated if the Group, as a collective investor or operating manager (member), etc., can manage fund assets on behalf of other investors or dismiss the collective investor and operating manager, and is substantially<br>exposed to significant variable returns or has such rights.

If the Group holds more than half of the ownership interests but does not have the power over relevant activities of structured entities in accordance with agreements with trust and other related parties, those structured entities are excluded from the consolidation.

135

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

32.3 Condensed financial information of major subsidiaries as of June 30, 2026 and December 31, 2025 and for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)

	June 30, 2026						2026
	Assets		Liabilities		Equity		Operating<br>revenue		Profit (loss)<br>attributable to<br>shareholders of<br>the Parent<br>Company			Total compre-<br>hensive income<br>(loss) attributable<br>to shareholders<br>of the Parent<br>Company
Kookmin Bank ^1^	~~W~~	626,871,068	~~W~~	588,097,610	~~W~~	38,773,458	~~W~~	27,668,859	~~W~~	2,225,402		~~W~~	2,175,560
KB Securities Co., Ltd. ^1,2^		102,789,277		94,579,381		8,209,896		20,561,940		796,291			636,978
KB Insurance Co., Ltd. ^1,2^		44,637,350		38,380,894		6,256,456		7,413,345		478,792			604,096
KB Kookmin Card Co., Ltd. ^1^		31,284,994		25,584,927		5,700,067		2,169,923		218,931			266,137
KB Life Insurance Co., Ltd.^1,2^		35,190,078		32,324,608		2,865,470		3,588,762		141,565			176,886
KB Asset Management Co., Ltd. ^1^		533,542		115,431		418,111		191,844		83,054			83,194
KB Capital Co., Ltd. ^1,2^		18,611,330		15,976,549		2,634,781		1,304,649		138,132			140,521
KB Real Estate Trust Co., Ltd.		1,333,431		949,878		383,553		56,552		(153,119	)		(153,137	)
KB Savings Bank Co., Ltd.		2,264,759		2,089,627		175,132		88,611		(2,076	)		(2,119	)
KB Investment Co., Ltd. ^1^		1,813,197		1,448,475		364,722		232,080		22,800			22,865
KB Data System Co., Ltd. ^1^		83,777		49,936		33,841		156,631		3,428			3,857

136

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

32.3 Condensed financial information of major subsidiaries as of June 30, 2026 and December 31, 2025 and for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)

		December 31, 2025						2025
		Assets		Liabilities		Equity		Operating<br>revenue		Profit (loss)<br>attributable to<br>shareholders of<br>the Parent<br>Company			Total compre-<br>hensive income<br>(loss) attributable<br>to shareholders<br>of the Parent<br>Company
Kookmin Bank ^1^		~~W~~	584,934,967	~~W~~	545,979,326	~~W~~	38,955,641	~~W~~	24,981,037	~~W~~	2,187,605		~~W~~	1,040,854
KB Securities Co., Ltd. ^1,2^			76,461,426		69,572,471		6,888,955		6,199,092		338,865			312,227
KB Insurance Co., Ltd. ^1,2^			45,377,597		39,725,458		5,652,139		7,077,298		558,141			10,436
KB Kookmin Card Co., Ltd. ^1^			30,235,710		24,597,933		5,637,777		2,196,970		181,269			154,386
KB Life Insurance Co., Ltd.^1,2^			35,585,902		32,795,927		2,789,975		1,703,309		116,477			(108,483	)
KB Asset Management Co., Ltd. ^1^			697,405		302,373		395,032		176,094		71,542			70,637
KB Capital Co., Ltd. ^1,2^			18,163,063		15,483,517		2,679,546		1,381,854		124,142			124,066
KB Real Estate Trust Co., Ltd.			1,124,017		730,006		394,011		121,088		(21,865	)		(21,867	)
KB Savings Bank Co., Ltd.			2,219,824		2,042,573		177,251		101,197		922			904
KB Investment Co., Ltd. ^1^			1,675,994		1,334,136		341,858		99,138		2,989			2,963
KB Data System Co., Ltd. ^1^			85,289		55,304		29,985		140,180		4,566			4,438
^1^	Financial information is based on its consolidated financial statements.
:---	:---
^2^	Includes fair value adjustments arising from the acquisition.
:---	:---

137

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

32.4 The Characteristics of Risks Associated with Consolidated Structured Entities

The terms of contractual arrangements to provide financial support to consolidated structured entities are as follows:

32.4.1 The Group has provided payment guarantees of ~~W~~3,967,670 million to KBD TOWER 1ST LLC and other consolidated structured entities

32.4.2 The Group has provided capital commitment to 88 consolidated structured entities including KB Sinansan Line Private Special Asset Fund (SOC). The unexecuted amount of the capital commitment is ~~W~~3,224,026 million. Based on the capital commitment, the Group is subject to increase its investment upon the request of the asset management company or the additional agreement among investors.

32.4.3 The Group has provided the guarantees of payment of principal, or principal and fixed rate of return in case the operating results of the trusts are less than the guaranteed principal, or principal and fixed rate of return.

32.5 Changes in Subsidiaries

32.5.1 Subsidiaries newly included in consolidation for the six-month period ended June 30, 2026, are as follows:

Company		Reasons of obtaining control
Daol Private Securities Investment Trust K-1 and 13 others		Holds more than half of the ownership interests
KB Hakha First Co., Ltd. and 21 others		Holds the power in the event of default and is exposed to significant variable returns by<br>providing lines of credit, ABCP purchase commitments or acquisition of subordinated debt
KB Onkookmin 2030 TDF Fund(FoFs)(UH) and 16 others		Holds the power as a general partner and is exposed to variable returns by holding significant<br>amount of ownership interests
KB Deep Tech Scale Up fund and 2 others		Holds the power as an executive partner and is exposed to variable returns through significant<br>ownership interests.

32.5.2 Subsidiaries excluded from consolidation for the six-month period ended June 30, 2026, are as follows:

Company		Reasons of losing control
Newstar Songam 1st Co.,ltd. and 21 others		Termination of the commitments
KB Core Blind Private Real Estate Investment Trust No. 1 and 6 others		Liquidation
KB RISE KTB 10Y Futures ETF and 5 others		Disposal
KB RISE Short-Term MSB ETF and 6 others		Decrease in ownership interests to less than majority

138

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33. Related Party Transactions

According to Korean IFRS No.1024, the Group includes investments in associates, key management personnel (including family members), and post-employment benefit plans of the Group and its related party companies in the scope of related parties. The Group discloses balances (receivables and payables) and other amounts arising from transactions with related parties in the notes to the consolidated financial statements.

33.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)


Associates and joint ventures
Balhae Infrastructure Company	Fee and commission income	~~W~~ 3,932	~~W~~ 3,025
	Interest income	211	—
	Reversal of credit losses	299	—
Korea Credit Bureau Co., Ltd.	Interest expense	14	2
	Fee and commission income	322	341
	Fee and commission expense	5,967	6,249
	Insurance income	2	2
	Other operating expenses	—	5
Incheon Bridge Co., Ltd.	Interest income	2,796	4,382
	Interest expense	636	362
	Fee and commission income	21	21
	Fee and commission expense	6	6
	Insurance income	135	118
	Gains on financial instruments at fair value through profit or loss	—	144
	Losses on financial instruments at fair value through profit or loss	1,492	—
	Reversal of credit losses	2	2
	Provision for credit losses	1	—
Star-Lord General Investors Private Real Estate Investment Company No.10	Insurance income	45	50
	Interest income	3,227	2,441
	Interest expense	375	290
	Provision for credit losses	—	1
	Reversal of credit losses	3	—
	General and administrative expenses	5,495	5,739
	Other Income	—	917
	Other expense	—	59
Food Factory Co., Ltd.	Interest income	31	23
	Insurance income	2	2
	Reversal of credit losses	1	—
	Provision for credit losses	—	1
Dongjo Co., Ltd.	Interest income	357	—
POSCO-KB Shipbuilding Fund	Fee and commission income	—	(34	)

139

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)

		2026			2025
Big Dipper Co., Ltd.	Fee and commission expense	~~W~~	144		~~W~~	138
	Reversal of credit losses		—			2
	Provision for credit losses		4			—
KB-TS Technology Venture Private Equity Fund	Fee and commission income		8			84
KB-SJ Tourism Venture Fund	Fee and commission income		(15	)		254
Banksalad Co., Ltd. *	Gains on financial instruments at fair value through profit or loss		—			443
	Fee and commission income		—			25
Bioprotect Ltd. *	Gains on financial instruments at fair value through profit or loss		8,000			—
	Losses on financial instruments at fair value through profit or loss		—			366
RMGP Bio-Pharma Investment Fund, L.P.	Fee and commission income		33			7
	Gains on financial instruments at fair value through profit or loss		183			—
	Losses on financial instruments at fair value through profit or loss		1,150			3,547
RMGP Bio-Pharma Investment, L.P.	Gains on financial instruments at fair value through profit or loss		2			—
	Losses on financial instruments at fair value through profit or loss		—			2
KB-MDI Centauri Fund LP	Fee and commission income		214			193
	Gains on financial instruments at fair value through profit or loss		1,413			203
	Losses on financial instruments at fair value through profit or loss		1,111			1,575
Hibiscus Fund LP	Fee and commission income		58			142
	Gains on financial instruments at fair value through profit or loss		1,078			1,155
	Losses on financial instruments at fair value through profit or loss		1,156			380
RMG-KB BP Management Ltd.	Gains on financial instruments at fair value through profit or loss		43			—
	Losses on financial instruments at fair value through profit or loss		—			28
RMG-KB BioAccess Fund L.P.	Fee and commission income		191			177
	Gains on financial instruments at fair value through profit or loss		1,407			—
	Losses on financial instruments at fair value through profit or loss		120			1,361
S&E Bio Co., Ltd.	Interest income		38			37
	Interest expense		—			3
	Reversal of credit losses		4			—

140

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)

		2026		2025
Contents First Inc.	Interest income	~~W~~	192	~~W~~	192
	Interest expense		5		8
	Losses on financial instruments at fair value through profit or loss		675		98
	Provision for credit losses		43		14
Pin Therapeutics Inc.	Interest expense		—		107
	Provision for credit losses		20		—
	Reversal of credit losses		—		1
Wyatt Corp. *	Gains on financial instruments at fair value through profit or loss		—		1,152
	Insurance income		—		40
Spark Biopharma Inc. *	Interest expense		—		47
	Reversal of credit losses		1		2
	Gains on financial instruments at fair value through profit or loss		1,220		173
	Losses on financial instruments at fair value through profit or loss		213		69
Skydigital Inc.	Fee and commission income		1		1
SO-MYUNG Recycling Co., Ltd.	Insurance income		3		—
KB No.21 Special Purpose Acquisition Company *	Interest expense		—		(1	)
KB No.25 Special Purpose Acquisition Company *	Interest expense		—		19
	Gains on financial instruments at fair value through profit or loss		—		75
KB No.26 Special Purpose Acquisition Company *	Interest expense		—		(29	)
	Losses on financial instruments at fair value through profit or loss		—		145
KB No.27 Special Purpose Acquisition Company	Interest expense		63		74
	Gains on financial instruments at fair value through profit or loss		—		232
	Losses on financial instruments at fair value through profit or loss		3,463		—
KB No.28 Special Purpose Acquisition Company *	Interest expense		—		9
	Gains on financial instruments at fair value through profit or loss		—		96
KB No.29 Special Purpose Acquisition Company	Gains on financial instruments at fair value through profit or loss		22		101
	Interest expense		23		26
KB No.30 Special Purpose Acquisition Company	Interest expense		16		20
	Gains on financial instruments at fair value through profit or loss		60		86

141

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)

		2026		2025
KB No.31 Special Purpose Acquisition Company	Gains on financial instruments at fair value through profit or loss	~~W~~	—	~~W~~	141
	Losses on financial instruments at fair value through profit or loss		77		—
	Interest expense		20		25
KB No.32 Special Purpose Acquisition Company	Interest expense		12		12
	Losses on financial instruments at fair value through profit or loss		137		—
KB No.33 Special Purpose Acquisition Company	Gains on financial instruments at fair value through profit or loss		329		—
	Interest expense		25		1
KB SPROTT Renewable Private Equity Fund No.1	Fee and commission income		39		39
KB-Stonebridge Secondary Private Equity Fund	Fee and commission income		139		160
TeamSparta Inc. *	Fee and commission income		—		3
	Interest expense		—		87
Newavel Co., Ltd.	Fee and commission income		—		1
SuperNGine Co., Ltd.	Interest income		—		20
	Reversal of credit losses		—		19
	Gains on financial instruments at fair value through profit or loss		874		—
	Losses on financial instruments at fair value through profit or loss		83		—
Desilo Inc.	Interest income		—		7
Turing Co., Ltd.	Interest expense		8		—
	Interest income		20		21
Grinergy Co., Ltd.	Provision for credit losses		1		—
	Gains on financial instruments at fair value through profit or loss		23		307
Chabot Mobility Co., Ltd. *	Fee and commission income		—		1
	Interest expense		—		5
	Fee and commission expense		—		1,109
Wemade Connect Co., Ltd.	Insurance income		3		3
	Interest expense		114		93
	Reversal of credit losses		—		2
	Gains on financial instruments at fair value through profit or loss		245		1,492
TMAP Mobility Co., Ltd.	Interest expense		367		1,192
	Fee and commission income		3		1
	Fee and commission expense		391		451
	Insurance income		736		1,433
Nextrade Co., Ltd.	Fee and commission income		1		1
	Interest expense		—		374

142

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)

		2026		2025
WJ Private Equity Fund No.1	Fee and commission income	~~W~~	3	~~W~~	3
UPRISE, Inc.	Gains on financial instruments at fair value through profit or loss		90		104
	Losses on financial instruments at fair value through profit or loss		—		95
Channel Corporation	Interest expense		1		—
	Losses on financial instruments at fair value through profit or loss		—		280
	Gains on financial instruments at fair value through profit or loss		1,204		7,673
Stratio, Inc.	Gains on financial instruments at fair value through profit or loss		67		—
CellinCells Co., Ltd. *	Provision for credit losses		—		1
KB Social Impact Investment Fund	Fee and commission income		100		100
KB-UTC Inno-Tech Venture Fund	Fee and commission income		84		63
KB-NAU Special Situation Corporate Restructuring Private Equity Fund	Fee and commission income		367		402
2020 KB Fintech Renaissance Fund	Fee and commission income		—		59
FineKB Private Equity Fund No.1	Fee and commission income		150		220
	Gains on financial instruments at fair value through profit or loss		—		32
Paramark KB Fund No.1	Fee and commission income		74		75
KB-Badgers Future Mobility ESG Fund No.1	Fee and commission income		613		629
	Gains on financial instruments at fair value through profit or loss		—		1
KB-KTB Technology Venture Fund	Fee and commission income		171		209
Bluepointpartners Inc. *	Losses on financial instruments at fair value through profit or loss		—		20
KB-Solidus Global Healthcare Fund *	Fee and commission income		1,087		—
	Gains on financial instruments at fair value through profit or loss		—		3,300
ASSEMBLE CORPORATION	Gains on financial instruments at fair value through profit or loss		1,578		—
	Interest income		56		65
	Insurance income		1		1
	Reversal of credit losses		2		1
KB-GeneN Medical Venture Fund No.1	Fee and commission income		44		44
KB-BridgePole Venture Investment Fund No.2	Fee and commission income		52		52
KB Co-Investment Private Equity Fund No.1	Fee and commission income		830		948
KB-NP Green ESG New Technology Venture Capital Fund	Fee and commission income		529		507
KB-FT Green Growth 1st Technology Investment Association	Fee and commission income		53		67

143

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)

		2026		2025
KB-SUSUNG 1st Investment Fund	Fee and commission income	~~W~~	38	~~W~~	82
KB-SUSUNG 2nd Investment Fund	Fee and commission income		78		75
Seokwang T&I Co., Ltd	Insurance income		1		1
3D Interactive Co., Ltd.	Reversal of credit losses		1		1
	Losses on financial instruments at fair value through profit or loss		3		—
Bigwave Robotics Corp. *	Interest expense		—		(5	)
	Provision for credit losses		1		7
	Gains on financial instruments at fair value through profit or loss		1,610		1,368
U-KB Credit No.1 Private Equity	Fee and commission income		480		480
KB-SOLIDUS Healthcare Investment Fund	Fee and commission income		407		426
AKK Robotech Valueup New Technology Investment Fund *	Fee and commission income		—		50
New Daegu Busan Expressway Co., Ltd.	Interest income		—		346
	Provision for credit losses		4		—
	Reversal of credit losses		1		—
	Interest expense		320		1,468
	Insurance income		222		202
AIM FUTURE, Inc.	Interest income		19		21
	Provision for credit losses		1		—
ADP Holdings Co., Ltd.	Interest expense		4		31
ADPGREEN	Interest expense		77		42
	Provision for credit losses		2		—
	Reversal of credit losses		—		5
	Insurance income		80		87
KB-CJ Venture Fund 1st	Fee and commission income		74		74
Ascent Global Fund III LP	Gains on financial instruments at fair value through profit or loss		315		—
	Losses on financial instruments at fair value through profit or loss		1,561		291
Elev8-Capital Fund I	Gains on financial instruments at fair value through profit or loss		334		—
	Losses on financial instruments at fair value through profit or loss		775		1,800
XL8 INC.	Gains on financial instruments at fair value through profit or loss		426		—
	Losses on financial instruments at fair value through profit or loss		—		454
SDT Inc.	Gains on financial instruments at fair value through profit or loss		658		—
	Losses on financial instruments at fair value through profit or loss		—		334

144

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)

		2026		2025
DYNE MEDICAL GROUP Inc.	Interest income	~~W~~	31	~~W~~	29
	Interest expense		155		30
	Insurance income		2		2
	Provision for credit losses		216		—
	Reversal of credit losses		—		1
Bitgoeul Cheomdan Green 1st Co., Ltd.	Interest expense		1		1
Logpresso Inc.	Interest expense		102		1
	Gains on financial instruments at fair value through profit or loss		1,235		—
Onheal Co., Ltd.	Gains on financial instruments at fair value through profit or loss		659		—
	Losses on financial instruments at fair value through profit or loss		219		—
TriOar Inc.	Interest expense		14		56
	Gains on financial instruments at fair value through profit or loss		804		—
KB-VEP Contact Fund	Fee and commission income		30		30
SD Speed Co., Ltd.	Insurance income		—		1
Xpanner Inc.	Interest income		1		—
	Interest expense		3		—
	Insurance income		—		1
	Gains on financial instruments at fair value through profit or loss		16,835		573
	Losses on financial instruments at fair value through profit or loss		1,102		453
	Provision for credit losses		9		—
KB-Cyrus Tourism Venture Fund	Fee and commission income		169		169
FineKB Private Equity Fund No.2	Fee and commission income		35		69
GCSM Holdings Limited	Gains on financial instruments at fair value through profit or loss		2,150		—
MitoImmune Therapeutics	Losses on financial instruments at fair value through profit or loss		—		1,574
HonestAI Co., LTD.	Gains on financial instruments at fair value through profit or loss		955		—
KB Rejuvenation Fund *	Fee and commission income		38		74
Allra Fintech Corp.	Provision for credit losses		215		2
	Reversal of credit losses		1		—
	Interest expense		—		4
Yeoulhyulgangho	Interest expense		8		2
KB-IMM New Star Real Estate Private Fund I	Fee and commission income		179		227
KB-LB Middle Market Enterprises Innovation Private Equity Fund	Fee and commission income		446		595

145

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)

		2026		2025
Semicolon Susong REITs Co., Ltd.	Interest income	~~W~~	521	~~W~~	78
	Fee and commission income		—		4,793
	Provision for credit losses		—		5
	Reversal of credit losses		2		—
	Insurance income		14		5
KB-Novus Genesis Private Equity Fund	Fee and commission income		73		17
AIM-KB-DOUBLE Connected Future Investment Fund	Fee and commission income		36		—
E&I Holdings *	Fee and commission income		—		3,446
WhaTap Laps Inc.	Fee and commission income		1		—
	Interest income		16		—
	Interest expense		15		60
	Gains on financial instruments at fair value through profit or loss		401		222
Streami Inc.	Gains on financial instruments at fair value through profit or loss		6,106		283
ANTIGRAVITY	Gains on financial instruments at fair value through profit or loss		41		—
	Interest income		1		1
	Provision for credit losses		—		1
KB a2z 2025 Fund	Fee and commission income		75		—
IMBiologics Corp. *	Gains on financial instruments at fair value through profit or loss		5,412		3,055
	Provision for credit losses		—		1
Koru Pharma Co., Ltd. *	Gains on financial instruments at fair value through profit or loss		5,596		—
	Insurance income		—		1
Aldaver	Interest expense		11		13
	Provision for credit losses		1		—
K-1 23th yeoksam Real Estate Investment Trust company Itd	Insurance income		5		—
	Interest expense		26		—
IMT TECHNOLOGY CO., LTD.	Insurance income		1		—
VP Inc.	Fee and commission income		178		—
	Fee and commission expense		632		—
Novorex Inc.	Gains on financial instruments at fair value through profit or loss		448		—
	Interest expense		2		—
	Provision for credit losses		4		6
	Reversal of credit losses		2		—
Xenohelix Co., Ltd.	Interest income		13		13
	Provision for credit losses		—		8
	Reversal of credit losses		1		—

146

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)

			2026		2025
Al Spera Inc.		Interest expense	~~W~~	—	~~W~~	26
enParticle Co., Ltd		Interest expense		—		2
Emocog Inc.		Gains on financial instruments at fair value through profit or loss		655		—
		Interest expense		—		29
Lemontree Inc.		Fee and commission income		87		58
		Fee and commission expense		26		17
		Provision for credit losses		—		2
		Reversal of credit losses		2		—
ByL		Interest expense		85		—
KB-GVA Premier Mezzanine Investment Fund		Fee and commission income		65		—
KB-ANDA Deep Tech Venture Fund		Fee and commission income		119		—
JIN WOO CO., LTD.		Interest income		69		—
HyperAccel Co., Ltd.		Interest expense		2		—
MM Korea Beauty Co-Invest Private Equity Fund		Interest expense		2		—
KB Humanoid Fund		Fee and commission income		7		—
Break & Company Inc.		Gains on financial instruments at fair value through profit or loss		154		—
		Losses on financial instruments at fair value through profit or loss		397		—
Go2joy Co., Ltd.		Losses on financial instruments at fair value through profit or loss		1,200		—
NexThera Co., Ltd.		Gains on financial instruments at fair value through profit or loss		578		—
Neuroptika Inc.		Losses on financial instruments at fair value through profit or loss		627		—
GAME TALES		Losses on financial instruments at fair value through profit or loss		1,544		—
TKDS Co., Ltd		Other non-operating expenses		1		—
Others
Retirement pension		Fee and commission income		737		774
		Interest expense		35		13
*	Excluded from the Group’s related party as of June 30, 2026.
:---	:---

147

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
Associates and joint ventures
Balhae Infrastructure Company	Other assets	~~W~~	1,973	~~W~~	2,596
	Loans measured at amortized cost (gross amount)		4,000		85,000
	Allowances for credit losses		9		200
	Provisions		—		109
	Other liabilities		1		9
Korea Credit Bureau Co., Ltd.	Loans measured at amortized cost (gross amount)		38		41
	Deposits		5,351		36,968
	Insurance liabilities		4		1
	Other liabilities		22		10
Incheon Bridge Co., Ltd.	Financial assets at fair value through profit or loss		32,716		34,208
	Loans measured at amortized cost (gross amount)		53,394		59,515
	Allowances for credit losses		25		27
	Other assets		266		297
	Deposits		98,220		70,470
	Provisions		37		38
	Insurance liabilities		173		114
	Other liabilities		687		608
Jungdo Co., Ltd.	Deposits		4		4
Aju Good Technology Venture Fund	Deposits		31		39
Star-Lord General Investors Private Real Estate Investment Company No.10	Loans measured at amortized cost (gross amount)		149,746		149,597
	Allowances for credit losses		4		7
	Property and equipment		26,557		31,089
	Other assets		8,401		8,330
	Insurance liabilities		78		29
	Other liabilities		26,940		31,053
WJ Private Equity Fund No.1	Other assets		2		2
	Deposits		32		36
Food Factory Co., Ltd.	Loans measured at amortized cost (gross amount)		2,770		2,941
	Allowances for credit losses		4		5
	Other assets		11		13
	Deposits		417		604
	Insurance liabilities		4		6
	Other liabilities		1		1

148

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
Big Dipper Co., Ltd.	Loans measured at amortized cost (gross amount)	~~W~~	42	~~W~~	23
	Allowances for credit losses		3		1
	Deposits		—		51
	Other assets		—		42
	Other liabilities		—		10
KB-KDBC Pre-IPO New Technology Business Investment Fund	Deposits		271		270
RMGP Bio-Pharma Investment Fund, L.P.	Financial assets at fair value through profit or loss		1,503		2,432
	Other assets		48		15
RMGP Bio-Pharma Investment, L.P.	Financial assets at fair value through profit or loss		24		22
Skydigital Inc.	Deposits		4		1
Spark Biopharma Inc. *	Financial assets at fair value through profit or loss		—		4,549
	Loans measured at amortized cost (gross amount)		—		23
	Deposits		—		1,145
	Other liabilities		—		2
	Allowances for credit losses		—		8
	Provisions		—		3
UPRISE, Inc.	Financial assets at fair value through profit or loss		2,024		1,934
Stratio, Inc.	Financial assets at fair value through profit or loss		1,067		1,000
HonestAI Co., LTD.	Financial assets at fair value through profit or loss		1,337		382
CellinCells Co., Ltd. *	Loans measured at amortized cost (gross amount)		—		3
	Allowances for credit losses		—		1
Channel Corporation	Financial assets at fair value through profit or loss		16,923		15,719
	Deposits		3,083		—
	Other liabilities		1		—
KB No.25 Special Purpose Acquisition Company *	Financial assets at fair value through profit or loss		—		1,915
	Deposits		—		1,604
	Other liabilities		—		2
KB No.27 Special Purpose Acquisition Company	Financial assets at fair value through profit or loss		2,819		6,282
	Deposits		4,685		4,675
	Other liabilities		48		41

149

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
KB No.29 Special Purpose Acquisition Company	Financial assets at fair value through profit or loss	~~W~~	3,181	~~W~~	3,159
	Deposits		2,383		2,348
	Other liabilities		10		36
KB No.30 Special Purpose Acquisition Company	Financial assets at fair value through profit or loss		2,952		2,893
	Deposits		1,783		1,788
	Other liabilities		31		15
KB No.31 Special Purpose Acquisition Company	Financial assets at fair value through profit or loss		4,402		4,478
	Deposits		2,311		2,310
	Other liabilities		31		10
KB No.32 Special Purpose Acquisition Company	Financial assets at fair value through profit or loss		3,990		—
	Deposits		2,332		2,315
	Other liabilities		—		35
KB No.33 Special Purpose Acquisition Company	Financial assets at fair value through profit or loss		4,634		4,304
	Deposits		2,857		2,835
	Other liabilities		—		25
KB No.34 Special Purpose Acquisition Company	Financial assets at fair value through profit or loss		1,990		—
	Deposits		2,587		—
KB-Solidus Global Healthcare Fund *	Other assets		—		3,781
Bioprotect Ltd. *	Financial assets at fair value through profit or loss		—		5,606
ASSEMBLE CORPORATION	Financial assets at fair value through profit or loss		5,578		4,000
	Loans measured at amortized cost (gross amount)		1,760		1,862
	Allowances for credit losses		28		30
	Other assets		2		1
	Deposits		19		19
	Other liabilities		1		1
	Insurance liabilities		1		2
SO-MYUNG Recycling Co., Ltd.	Insurance liabilities		4		3
Go2joy Co., Ltd.	Financial assets at fair value through profit or loss		—		1,200

150

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
S&E Bio Co., Ltd.	Financial assets at fair value through profit or loss	~~W~~	4,000	~~W~~	4,000
	Loans measured at amortized cost (gross amount)		2,000		2,009
	Other assets		3		3
	Deposits		7		224
	Other liabilities		1		2
	Allowances for credit losses		12		12
	Provisions		—		2
Bluepointpartners Inc. *	Financial assets at fair value through profit or loss		—		1,667
Xenohelix Co., Ltd.	Financial assets at fair value through profit or loss		3,100		3,100
	Loans measured at amortized cost (gross amount)		499		555
	Other assets		1		1
	Allowances for credit losses		7		7
	Deposits		403		40
Contents First Inc.	Financial assets at fair value through profit or loss		10,992		11,667
	Loans measured at amortized cost (gross amount)		10,022		10,020
	Allowances for credit losses		64		22
	Other assets		2		3
	Deposits		285		133
	Provisions		2		2
	Other liabilities		4		4
KB-MDI Centauri Fund LP	Financial assets at fair value through profit or loss		19,328		19,026
	Other assets		214		—
OKXE Inc.	Financial assets at fair value through profit or loss		2,722		2,722
Newavel Co., Ltd.	Deposits		1		1
Pin Therapeutics Inc.	Loans measured at amortized cost (gross amount)		39		20
	Financial assets at fair value through profit or loss		7,000		7,000
	Deposits		64		850
	Allowances for credit losses		12		2
	Provisions		1		1
IMBiologics Corp. *	Loans measured at amortized cost (gross amount)		—		1
	Financial assets at fair value through profit or loss		—		13,144

151

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
SuperNGine Co., Ltd.	Loans measured at amortized cost (gross amount)	~~W~~	1	~~W~~	16
	Deposits		143		151
	Financial assets at fair value through profit or loss		2,787		1,996
Desilo Inc.	Financial assets at fair value through profit or loss		3,168		3,168
	Deposits		2		2
Turing Co., Ltd.	Financial assets at fair value through profit or loss		3,000		3,000
	Loans measured at amortized cost (gross amount)		900		900
	Allowances for credit losses		6		6
	Other assets		2		2
	Deposits		2,720		887
	Other liabilities		8		—
Wemade Connect Co., Ltd.	Financial assets at fair value through profit or loss		12,102		11,857
	Loans measured at amortized cost (gross amount)		2		2
	Provisions		6		6
	Deposits		11,816		5,525
	Insurance liabilities		3		2
	Other liabilities		48		22
Nextrade Co., Ltd.	Loans measured at amortized cost (gross amount)		87		131
	Deposits		1,726		278
TMAP Mobility Co., Ltd.	Loans measured at amortized cost (gross amount)		94		116
	Allowances for credit losses		2		2
	Deposits		2		1
	Insurance liabilities		—		1
	Other liabilities		—		178
	Provisions		5		5
Grinergy Co., Ltd.	Loans measured at amortized cost (gross amount)		3		2
	Financial assets at fair value through profit or loss		7,321		7,297
	Allowances for credit losses		3		2
	Provisions		1		—
NexThera Co., Ltd.	Financial assets at fair value through profit or loss		3,577		3,000
FineKB Private Equity Fund No.1	Other assets		150		10
Paramark KB Fund No.1	Other liabilities		51		50
KB Social Impact Investment Fund	Other assets		100		200

152

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
Checkmate Therapeutics Inc.	Financial assets at fair value through profit or loss	~~W~~	3,200	~~W~~	3,200
	Insurance liabilities		2		8
Hibiscus Fund LP	Financial assets at fair value through profit or loss		12,448		16,540
	Other assets		6		316
RMG-KB BioAccess Fund L.P.	Financial assets at fair value through profit or loss		22,278		15,709
	Other assets		191		—
RMG-KB BP Management Ltd.	Financial assets at fair value through profit or loss		676		494
KB Co-Investment Private Equity Fund No.1	Other assets		361		500
Neuroptika Inc.	Financial assets at fair value through profit or loss		5,251		5,879
Bitgoeul Cheomdan Green 1st Co., Ltd.	Deposits		1,229		1,242
Glenwood Credit Private Equity Fund No.2	Deposits		678		—
Bigwave Robotics Corp. *	Loans measured at amortized cost (gross amount)		—		60
	Financial assets at fair value through profit or loss		—		4,290
	Allowances for credit losses		—		7
	Deposits		—		364
	Provisions		—		2
3D Interactive Co., Ltd.	Loans measured at amortized cost (gross amount)		3		2
	Financial assets at fair value through profit or loss		156		159
	Deposits		64		48
XL8 INC.	Financial assets at fair value through profit or loss		6,155		5,729
Elev8-Capital Fund I	Financial assets at fair value through profit or loss		25,130		13,877
New Daegu Busan Expressway Co., Ltd.	Loans measured at amortized cost (gross amount)		13		15
	Allowances for credit losses		3		4
	Deposits		106,707		115,401
	Other liabilities		39		43
	Insurance liabilities		244		27

153

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
AIM FUTURE, Inc.	Financial assets at fair value through profit or loss	~~W~~	2,000	~~W~~	2,000
	Loans measured at amortized cost (gross amount)		901		906
	Allowances for credit losses		5		5
	Other assets		1		1
	Deposits		131		140
	Provisions		2		2
Novorex Inc.	Financial assets at fair value through profit or loss		4,448		4,000
	Loans measured at amortized cost (gross amount)		30		14
	Allowances for credit losses		8		4
	Other liabilities		—		4
	Provisions		—		2
	Deposits		947		9,674
Seokwang T&I Co., Ltd	Insurance liabilities		1		2
ADP Holdings Co., Ltd.	Deposits		260		263
	Other liabilities		2		1
ADPGREEN	Loans measured at amortized cost (gross amount)		29		23
	Deposits		6,627		5,302
	Other liabilities		31		33
	Allowances for credit losses		3		3
	Provisions		—		1
	Insurance liabilities		14		94
Logpresso Inc.	Financial assets at fair value through profit or loss		10,234		9,000
	Loans measured at amortized cost (gross amount)		30		40
	Deposits		5,903		7,576
	Other liabilities		95		10
Onheal Co., Ltd.	Financial assets at fair value through profit or loss		10,440		10,000
Ascent Global Fund III LP	Financial assets at fair value through profit or loss		2,976		3,677
DYNE MEDICAL GROUP Inc.	Financial assets at fair value through profit or loss		10,503		3,001
	Loans measured at amortized cost (gross amount)		2,048		2,033
	Allowances for credit losses		18		16
	Provisions		4		5
	Other assets		1		1
	Deposits		13,582		356
	Other liabilities		151		6
	Insurance liabilities		3		1

154

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
TriOar Inc.	Financial assets at fair value through profit or loss	~~W~~	5,804	~~W~~	5,000
	Loans measured at amortized cost (gross amount)		14		12
	Deposits		1,138		4,088
	Other liabilities		—		20
Coxwave Co., Ltd.	Financial assets at fair value through profit or loss		3,000		3,000
SDT Inc.	Financial assets at fair value through profit or loss		4,531		3,873
Yeoulhyulgangho	Financial assets at fair value through profit or loss		500		500
	Deposits		1,054		783
	Other liabilities		6		2
IMM global Secondary 1-1 Equity Private Fund	Insurance liabilities		1		—
KB-VEP Contact Fund	Other assets		15		15
Xpanner Inc.	Financial assets at fair value through profit or loss		40,645		9,908
	Loans measured at amortized cost (gross amount)		1,000		—
	Allowances for credit losses		9		—
	Other assets		1		—
	Deposits		12,110		—
	Other liabilities		1		—
	Insurance liabilities		6		10
SD Speed Co., Ltd.	Insurance liabilities		—		1
Allra Fintech Corp.	Loans measured at amortized cost (gross amount)		16		26
	Allowances for credit losses		218		3
	Deposits		—		33
	Other assets		10,715		—
GCSM Holdings Limited	Financial assets at fair value through profit or loss		10,983		8,833
KB Rejuvenation Fund *	Other assets		—		38
FineKB Private Equity Fund No.2	Other assets		35		35
Koru Pharma Co., Ltd. *	Financial assets at fair value through profit or loss		—		7,890
	Deposits		—		197
	Insurance liabilities		—		12

155

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
WhaTap Laps Inc.	Loans measured at amortized cost (gross amount)	~~W~~	1,093	~~W~~	1,091
	Financial assets at fair value through profit or loss		6,660		6,259
	Other assets		1		1
	Allowances for credit losses		17		16
	Provisions		11		11
	Deposits		1,194		2,814
	Other liabilities		10		75
Streami Inc.	Financial assets at fair value through profit or loss		3,374		3,047
Lemontree Inc.	Financial assets at fair value through profit or loss		999		999
	Deposits		—		536
	Provisions		—		2
GAME TALES	Financial assets at fair value through profit or loss		1,456		3,000
HyperAccel Co., Ltd.	Financial assets at fair value through profit or loss		8,500		8,500
	Deposits		428		—
Aldaver	Financial assets at fair value through profit or loss		2,000		2,000
	Deposits		834		821
	Other liabilities		1		4
enParticle Co., Ltd	Financial assets at fair value through profit or loss		2,000		2,000
	Deposits		37		1,696
ALL ROUND DOCTORS Inc.	Financial assets at fair value through profit or loss		2,000		2,000
Emocog Inc.	Financial assets at fair value through profit or loss		4,655		4,000
	Deposits		670		704
ANTIGRAVITY	Financial assets at fair value through profit or loss		415		374
	Loans measured at amortized cost (gross amount)		32		38
	Allowances for credit losses		1		1
	Deposits		48		82
ByL	Loans measured at amortized cost (gross amount)		10		—
	Financial assets at fair value through profit or loss		14,967		14,967
	Deposits		5,189		8,968
	Other liabilities		100		55

156

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
KB a2z 2025 Fund	Other assets	~~W~~	38	~~W~~	24
Al Spera Inc.	Insurance liabilities		1		—
Semicolon Susong REITs Co., Ltd.	Loans measured at amortized cost (gross amount)		24,957		24,933
	Allowances for credit losses		3		5
	Other assets		170		173
	Insurance liabilities		24		9
K-1 23th yeoksam Real Estate Investment Trust company Itd	Deposits		6,700		—
	Other liabilities		25		—
	Insurance liabilities		8		3
IMT TECHNOLOGY CO., LTD.	Insurance liabilities		—		1
VP Inc.	Loans measured at amortized cost (gross amount)		—		2
	Other assets		36		—
	Other liabilities		107		109
	Insurance liabilities		—		1
	Deposits		57		51
eRoun & company Co., Ltd *	Deposits		—		1,127
	Other liabilities		—		7
RUMIKEU Holdings Inc.	Deposits		196		11
enscape Co., Ltd	Financial assets at fair value through profit or loss		7,000		—
Break & Company Inc.	Financial assets at fair value through profit or loss		1,756		—
	Deposits		539		—
Penta BM Investment Fund 1	Financial assets at fair value through profit or loss		6,111		—
MM Korea Beauty Co-Invest Private Equity Fund	Deposits		150		—
	Other liabilities		2		—
Willog Co., Ltd.	Financial assets at fair value through profit or loss		3,000		—
KB Humanoid Fund	Other assets		7		—
Mind Alive. Co., Ltd.	Insurance liabilities		2		—

157

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won)			June 30,<br>2026		December 31,<br>2025
Key management personnel		Loans measured at amortized cost (gross amount)	~~W~~	6,800	~~W~~	9,248
		Allowances for credit losses		25		24
		Other assets		7		9
		Deposits		17,428		12,740
		Provisions		—		1
		Insurance liabilities		3,772		2,927
		Other liabilities		360		362
Retirement pension		Other assets		803		632
		Other liabilities		760		1,154
*	Excluded from the Group’s related party as of June 30, 2026, therefore, the remaining outstanding<br>balances with those entities are not disclosed.
:---	:---

158

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.3 Details of significant lending transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Beginning		Loan		Collection			Ending
Associates and joint ventures
Korea Credit Bureau Co., Ltd.	~~W~~	41	~~W~~	38	~~W~~	(41	)	~~W~~	38
Incheon Bridge Co., Ltd.		93,723		19		(7,632	)		86,110
Star-Lord General Investors Private Real Estate Investment Company No.10		149,597		149		—			149,746
Food Factory Co., Ltd.		2,941		7		(178	)		2,770
Big Dipper Co., Ltd.		23		42		(23	)		42
RMGP Bio-Pharma Investment Fund, L.P.		2,432		—		(929	)		1,503
RMGP Bio-Pharma Investment, L.P.		22		2		—			24
UPRISE, Inc.		1,934		90		—			2,024
Stratio, Inc.		1,000		67		—			1,067
HonestAI Co., LTD.		382		955		—			1,337
CellinCells Co., Ltd. *		3		—		(3	)		—
KB No.25 Special Purpose Acquisition Company *		1,915		—		(1,915	)		—
KB No.27 Special Purpose Acquisition Company		6,282		—		(3,463	)		2,819
KB No.29 Special Purpose Acquisition Company		3,159		22		—			3,181
KB No.30 Special Purpose Acquisition Company		2,893		59		—			2,952
KB No.31 Special Purpose Acquisition Company		4,478		—		(76	)		4,402
KB No.32 Special Purpose Acquisition Company		—		3,990		—			3,990
KB No.33 Special Purpose Acquisition Company		4,304		330		—			4,634
KB No.34 Special Purpose Acquisition Company		—		1,990		—			1,990
Channel Corporation		15,719		1,204		—			16,923
Bioprotect Ltd. *		5,606		—		(5,606	)		—
ASSEMBLE CORPORATION		5,862		1,588		(112	)		7,338
Go2joy Co., Ltd.		1,200		—		(1,200	)		—
S&E Bio Co., Ltd.		6,009		—		(9	)		6,000
Bluepointpartners Inc. *		1,667		—		(1,667	)		—
Xenohelix Co., Ltd.		3,655		4		(60	)		3,599
Contents First Inc.		21,687		22		(695	)		21,014
KB-MDI Centauri Fund LP		19,026		302		—			19,328
OKXE Inc.		2,722		—		—			2,722
Checkmate Therapeutics Inc.		3,200		—		—			3,200
IMBiologics Corp. *		13,145		—		(13,145	)		—
Spark Biopharma Inc. *		4,572		—		(4,572	)		—
Pin Therapeutics Inc.		7,020		39		(20	)		7,039
Hibiscus Fund LP		16,540		—		(4,092	)		12,448

159

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.3 Details of significant lending transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2026
	Beginning		Loan		Collection			Ending
SuperNGine Co., Ltd.	~~W~~	2,012	~~W~~	792	~~W~~	(16	)	~~W~~	2,788
Desilo Inc.		3,168		—		—			3,168
RMG-KB BioAccess Fund L.P.		15,709		6,569		—			22,278
RMG-KB BP Management Ltd.		494		182		—			676
Turing Co., Ltd.		3,900		—		—			3,900
Grinergy Co., Ltd.		7,299		27		(2	)		7,324
NexThera Co., Ltd.		3,000		577		—			3,577
Wemade Connect Co., Ltd.		11,859		247		(2	)		12,104
TMAP Mobility Co., Ltd.		116		94		(116	)		94
Neuroptika Inc.		5,879		—		(628	)		5,251
Bigwave Robotics Corp. *		4,350		—		(4,350	)		—
3D Interactive Co., Ltd.		161		3		(5	)		159
XL8 INC.		5,729		426		—			6,155
Elev8-Capital Fund I		13,877		11,253		—			25,130
AIM FUTURE, Inc.		2,906		1		(6	)		2,901
New Daegu Busan Expressway Co., Ltd.		15		13		(15	)		13
Novorex Inc.		4,014		478		(14	)		4,478
Logpresso Inc.		9,040		1,264		(40	)		10,264
Onheal Co., Ltd.		10,000		440		—			10,440
Ascent Global Fund III LP		3,677		—		(701	)		2,976
DYNE MEDICAL GROUP Inc.		5,034		7,550		(33	)		12,551
TriOar Inc.		5,012		818		(12	)		5,818
Coxwave Co., Ltd.		3,000		—		—			3,000
SDT Inc.		3,873		658		—			4,531
Yeoulhyulgangho		500		—		—			500
ADPGREEN		23		29		(23	)		29
Xpanner Inc.		9,908		31,737		—			41,645
GCSM Holdings Limited		8,833		2,150		—			10,983
Koru Pharma Co., Ltd. *		7,890		—		(7,890	)		—
WhaTap Laps Inc.		7,350		518		(115	)		7,753
Lemontree Inc.		999		—		—			999
GAME TALES		3,000		—		(1,544	)		1,456
Streami Inc.		3,047		327		—			3,374
ANTIGRAVITY		412		43		(8	)		447
HyperAccel Co., Ltd.		8,500		—		—			8,500
Aldaver		2,000		—		—			2,000
enParticle Co., Ltd		2,000		—		—			2,000
ALL ROUND DOCTORS Inc.		2,000		—		—			2,000
Emocog Inc.		4,000		655		—			4,655
ByL		14,967		10		—			14,977
Allra Fintech Corp.		26		16		(26	)		16
Nextrade Co., Ltd.		131		87		(131	)		87
VP Inc.		2		—		(2	)		—
Balhae Infrastructure Company		85,000		—		(81,000	)		4,000

160

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.3 Details of significant lending transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2026
	Beginning		Loan		Collection			Ending
Semicolon Susong REITs Co., Ltd.	~~W~~	24,933	~~W~~	24	~~W~~	—		~~W~~	24,957
enscape Co., Ltd		—		7,000		—			7,000
Break & Company Inc.		—		1,756		—			1,756
Penta BM Investment Fund 1		—		6,111		—			6,111
Willog Co., Ltd.		—		3,000		—			3,000
Key management personnel		9,248		1,473		(3,921	)		6,800

161

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.3 Details of significant lending transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Beginning		Loan		Collection			Ending
Associates and joint ventures
Korea Credit Bureau Co., Ltd.	~~W~~	36	~~W~~	155	~~W~~	(36	)	~~W~~	155
Incheon Bridge Co., Ltd.		105,423		158		(5,262	)		100,319
Star-Lord General Investors Private Real Estate Investment Company No.10		149,898		150,000		(150,448	)		149,450
Food Factory Co., Ltd.		1,764		508		(173	)		2,099
Big Dipper Co., Ltd.		43		22		(43	)		22
RMGP Bio-Pharma Investment Fund, L.P.		7,205		—		(4,409	)		2,796
RMGP Bio-Pharma Investment, L.P.		25		—		(4	)		21
Wyatt Corp. *		3,000		—		(3,000	)		—
Banksalad Co., Ltd. *		2,059		442		—			2,501
UPRISE, Inc.		1,817		9		—			1,826
Stratio, Inc.		1,000		—		—			1,000
HonestAI Co., LTD.		442		—		—			442
CellinCells Co., Ltd. *		2,001		4		(2,001	)		4
KB No.21 Special Purpose Acquisition Company *		3,122		—		(3,122	)		—
KB No.25 Special Purpose Acquisition Company *		1,850		75		—			1,925
KB No.26 Special Purpose Acquisition Company *		2,150		—		(144	)		2,006
KB No.27 Special Purpose Acquisition Company		5,877		232		—			6,109
KB No.28 Special Purpose Acquisition Company *		2,113		95		—			2,208
KB No.29 Special Purpose Acquisition Company		3,015		3,223		(3,122	)		3,116
KB No.30 Special Purpose Acquisition Company		2,835		87		—			2,922
KB No.31 Special Purpose Acquisition Company		4,301		141		—			4,442
KB No.33 Special Purpose Acquisition Company		—		2,090		—			2,090
Channel Corporation		20,141		—		(5,841	)		14,300
MitoImmune Therapeutics		1,574		—		(1,574	)		—
Bioprotect Ltd. *		4,628		671		—			5,299
ASSEMBLE CORPORATION		6,021		26		(21	)		6,026
Go2joy Co., Ltd.		1,200		—		—			1,200
S&E Bio Co., Ltd.		6,016		15		(16	)		6,015
Bluepointpartners Inc. *		1,636		—		(20	)		1,616
Xenohelix Co., Ltd.		3,104		557		(4	)		3,657
Contents First Inc.		23,278		77		(163	)		23,192
KB-MDI Centauri Fund LP		21,058		—		(5,195	)		15,863
OKXE Inc.		2,722		—		—			2,722
Checkmate Therapeutics Inc.		3,200		—		—			3,200

162

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.3 Details of significant lending transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Beginning		Loan		Collection			Ending
Newavel Co., Ltd.	~~W~~	20	~~W~~	—	~~W~~	(20	)	~~W~~	—
IMBiologics Corp. *		7,002		3,056		(2	)		10,056
Spark Biopharma Inc. *		4,649		112		(15	)		4,746
Pin Therapeutics Inc.		7,029		18		(29	)		7,018
Hibiscus Fund LP		14,717		775		—			15,492
SuperNGine Co., Ltd.		2,478		2		(232	)		2,248
Desilo Inc.		3,468		—		—			3,468
RMG-KB BioAccess Fund L.P.		9,379		—		(291	)		9,088
RMG-KB BP Management Ltd.		344		1		—			345
Turing Co., Ltd.		3,900		—		—			3,900
Kukka Co., Ltd. *		2,490		—		(2,490	)		—
Grinergy Co., Ltd.		1		7,961		(1	)		7,961
NexThera Co., Ltd.		3,000		—		—			3,000
Chabot Mobility Co., Ltd. *		2,580		—		(2,580	)		—
TeamSparta Inc. *		4,006		41		(4,006	)		41
FutureConnect Co., Ltd. *		1,499		—		(1,499	)		—
Wemade Connect Co., Ltd.		7,495		1,512		(29	)		8,978
TMAP Mobility Co., Ltd.		73		45		(73	)		45
Spoonlabs Co., Ltd. *		15,006		—		(15,006	)		—
Neuroptika Inc.		5,879		—		—			5,879
Bigwave Robotics Corp. *		2,789		1,405		(39	)		4,155
3D Interactive Co., Ltd.		2,306		2		(6	)		2,302
XL8 INC.		5,869		—		(453	)		5,416
Elev8-Capital Fund I		16,250		—		(1,800	)		14,450
AIM FUTURE, Inc.		2,908		3		(8	)		2,903
New Daegu Busan Expressway Co., Ltd.		24,264		17		(24,267	)		14
Novorex Inc.		2,008		2,012		(8	)		4,012
Logpresso Inc.		3,031		31		(31	)		3,031
Onheal Co., Ltd.		10,000		—		—			10,000
Ascent Global Fund III LP		3,767		—		(291	)		3,476
DYNE MEDICAL GROUP Inc.		5,023		10		(21	)		5,012
TriOar Inc.		3,016		12		(16	)		3,012
Coxwave Co., Ltd.		3,000		—		—			3,000
SDT Inc.		3,105		—		(334	)		2,771
Yeoulhyulgangho		500		—		—			500
ADPGREEN		25		21		(25	)		21
Xpanner Inc.		9,673		120		—			9,793
GCSM Holdings Limited		9,506		—		(9,506	)		—
Qoala *		6,554		—		(6,554	)		—
Allra Fintech Corp.		—		28		—			28
Koru Pharma Co., Ltd. *		—		7,890		—			7,890
ANTIGRAVITY		—		944		—			944
Semicolon Susong REITs Co., Ltd.		—		25,000		(92	)		24,908
Seoul Robotics Co.,Ltd		—		13,247		—			13,247

163

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.3 Details of significant lending transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)		2025
		Beginning		Loan		Collection		Ending
WhaTap Laps Inc.		~~W~~	—	~~W~~	6,370	~~W~~	—	~~W~~	6,370
Lemontree Inc.			—		999		—		999
GAME TALES			—		3,000		—		3,000
Streami Inc.			—		2,754		—		2,754
HyperAccel Co., Ltd.			—		8,500		—		8,500
Aldaver			—		2,000		—		2,000
enParticle Co., Ltd			—		2,000		—		2,000
ALL ROUND DOCTORS Inc.			—		2,000		—		2,000
Emocog Inc.			—		4,000		—		4,000
Key management personnel			7,125		4,391		(4,058)		7,458
*	Excluded from the Group’s related party as of June 30, 2026.
:---	:---

164

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.4 Details of significant borrowing transactions with related parties for six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Beginning		Borrowing		Repayment			Others ^1^			Ending
Associates and joint ventures
Korea Credit Bureau Co., Ltd.	~~W~~	36,968	~~W~~	—	~~W~~	—		~~W~~	(31,617	)	~~W~~	5,351
Incheon Bridge Co., Ltd.		70,470		33,000		(20,000	)		14,750			98,220
Jungdo Co., Ltd.		4		—		—			—			4
Skydigital Inc.		1		—		—			3			4
Aju Good Technology Venture Fund		39		—		—			(8	)		31
KB-KDBC Pre-IPO New Technology Business Investment Fund		270		—		—			1			271
WJ Private Equity Fund No.1		36		—		—			(4	)		32
KB No.25 Special Purpose Acquisition Company<br>^2^		1,604		—		(1,516	)		(88	)		—
KB No.27 Special Purpose Acquisition Company		4,675		4,647		(4,600	)		(37	)		4,685
KB No.29 Special Purpose Acquisition Company		2,348		2,190		(2,148	)		(7	)		2,383
KB No.30 Special Purpose Acquisition Company		1,788		—		—			(5	)		1,783
KB No.31 Special Purpose Acquisition Company		2,310		—		—			1			2,311
KB No.32 Special Purpose Acquisition Company		2,315		—		(2,000	)		2,017			2,332
KB No.33 Special Purpose Acquisition Company		2,835		2,442		(2,400	)		(20	)		2,857
KB No.34 Special Purpose Acquisition Company		—		—		—			2,587			2,587
Food Factory Co., Ltd.		604		—		—			(187	)		417
Big Dipper Co., Ltd.		51		—		—			(51	)		—
ASSEMBLE CORPORATION		19		—		—			—			19
S&E Bio Co., Ltd.		224		—		(50	)		(167	)		7
Contents First Inc.		133		—		—			152			285
Newavel Co., Ltd.		1		—		—			—			1
Pin Therapeutics Inc.		850		—		—			(786	)		64
Spark Biopharma Inc. ^2^		1,145		11,418		(7,979	)		(4,584	)		—
SuperNGine Co., Ltd.		151		—		—			(8	)		143
Desilo Inc.		2		—		—			—			2
Turing Co., Ltd.		887		2,300		—			(467	)		2,720
TMAP Mobility Co., Ltd.		1		50,000		(50,000	)		1			2
Nextrade Co., Ltd.		278		—		—			1,448			1,726
Chabot Mobility Co., Ltd. ^2^		—		209		—			(209	)		—
Wemade Connect Co., Ltd.		5,525		6,044		(2,000	)		2,247			11,816
Channel Corporation		—		3,088		—			(5	)		3,083
Bitgoeul Cheomdan Green 1st Co., Ltd.		1,242		—		—			(13	)		1,229
Glenwood Credit Private Equity Fund No.2		—		—		—			678			678

165

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.4 Details of significant borrowing transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2026
	Beginning		Borrowing		Repayment			Others ^1^			Ending
Bigwave Robotics Corp. ^2^	~~W~~	364	~~W~~	—	~~W~~	—		~~W~~	(364	)	~~W~~	—
3D Interactive Co., Ltd.		48		—		—			16			64
AIM FUTURE, Inc.		140		—		—			(9	)		131
New Daegu Busan Expressway Co., Ltd.		115,401		—		—			(8,694	)		106,707
Novorex Inc.		9,674		—		—			(8,727	)		947
Xenohelix Co., Ltd.		40		—		—			363			403
ADP Holdings Co., Ltd.		263		523		(524	)		(2	)		260
ADPGREEN		5,302		11,700		(10,700	)		325			6,627
Logpresso Inc.		7,576		—		(1,800	)		127			5,903
DYNE MEDICAL GROUP Inc.		356		18,000		(6,000	)		1,226			13,582
TriOar Inc.		4,088		2,000		(4,000	)		(950	)		1,138
Yeoulhyulgangho		783		1,000		(800	)		71			1,054
Allra Fintech Corp.		33		—		—			(33	)		—
Koru Pharma Co., Ltd. ^2^		197		—		—			(197	)		—
Emocog Inc.		704		—		—			(34	)		670
WhaTap Laps Inc.		2,814		1,000		(2,650	)		30			1,194
Aldaver		821		3,319		(3,306	)		—			834
Lemontree Inc.		536		—		—			(536	)		—
enParticle Co., Ltd		1,696		—		—			(1,659	)		37
ANTIGRAVITY		82		—		—			(34	)		48
ByL		8,968		3,200		(6,200	)		(779	)		5,189
eRoun & company Co., Ltd ^2^		1,127		—		(300	)		(827	)		—
VP Inc.		51		—		—			6			57
RUMIKEU Holdings Inc.		11		—		—			185			196
MM Korea Beauty Co-Invest Private Equity Fund		—		150		—			—			150
Break & Company Inc.		—		—		—			539			539
HyperAccel Co., Ltd.		—		—		—			428			428
Xpanner Inc.		—		—		—			12,110			12,110
E&I Holdings ^2^		—		4,709		—			(4,709	)		—
K-1 23th yeoksam Real Estate Investment Trust company Itd		—		7,000		(300	)		—			6,700
Key management personnel		12,740		15,325		(10,854	)		217			17,428

166

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.4 Details of significant borrowing transactions with related parties for six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)	2025
	Beginning		Borrowing		Repayment			Others ^1^			Ending
Associates and joint ventures
Korea Credit Bureau Co., Ltd.	~~W~~	40,570	~~W~~	—	~~W~~	—		~~W~~	(35,692	)	~~W~~	4,878
Incheon Bridge Co., Ltd.		43,867		28,000		(25,000	)		18,403			65,270
Jungdo Co., Ltd.		4		—		—			—			4
Iwon Alloy Co., Ltd.		2		—		—			(2	)		—
Skydigital Inc.		30		—		—			(26	)		4
Aju Good Technology Venture Fund		1,809		—		—			(1,770	)		39
KB-KDBC Pre-IPO New Technology Business Investment Fund		39		—		—			3,515			3,554
WJ Private Equity Fund No.1		46		—		—			(7	)		39
KB No.21 Special Purpose Acquisition Company^2^		2,247		—		(2,115	)		(132	)		—
KB No.25 Special Purpose Acquisition Company^2^		1,545		1,500		(1,545	)		105			1,605
KB No.26 Special Purpose Acquisition Company^2^		1,763		—		(110	)		(1,653	)		—
KB No.27 Special Purpose Acquisition Company		4,613		—		—			(51	)		4,562
KB No.28 Special Purpose Acquisition Company^2^		1,910		—		(1,890	)		200			220
KB No.29 Special Purpose Acquisition Company		2,338		2,148		(2,100	)		(27	)		2,359
KB No.30 Special Purpose Acquisition Company		1,786		—		—			(22	)		1,764
KB No.31 Special Purpose Acquisition Company		2,352		—		—			(76	)		2,276
KB No.32 Special Purpose Acquisition Company		—		2,000		—			355			2,355
KB No.33 Special Purpose Acquisition Company		—		2,400		—			588			2,988
RAND Bio Science Co., Ltd. ^2^		4		—		—			(4	)		—
Food Factory Co., Ltd.		907		—		—			(15	)		892
Big Dipper Co., Ltd.		123		—		—			(51	)		72
Wyatt Corp. ^2^		1		—		—			(1	)		—
CellinCells Co., Ltd. ^2^		13		—		—			(13	)		—
ASSEMBLE CORPORATION		18		—		—			—			18
S&E Bio Co., Ltd.		772		430		(50	)		(546	)		606
4N Inc.		4		—		—			(2	)		2
Contents First Inc.		729		—		—			(646	)		83
Pin Therapeutics Inc.		11,133		—		(8,000	)		(432	)		2,701
Spark Biopharma Inc. ^2^		4,759		6,492		(8,650	)		(37	)		2,564
SuperNGine Co., Ltd.		217		—		—			(190	)		27
Desilo Inc.		3		—		—			(1	)		2
Turing Co., Ltd.		819		—		—			(695	)		124
TMAP Mobility Co., Ltd.		100,010		160,000		(200,000	)		(9	)		60,001

167

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.4 Details of significant borrowing transactions with related parties for six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)		2025
		Beginning		Borrowing		Repayment			Others ^1^			Ending
Nextrade Co., Ltd.		~~W~~	15,281	~~W~~	—	~~W~~	—		~~W~~	568		~~W~~	15,849
ZIPDOC Inc. ^2^			1		—		—			(1	)		—
TeamSparta Inc. ^2^			18,635		—		—			(18,635	)		—
Chabot Mobility Co., Ltd. ^2^			631		—		—			(631	)		—
Wemade Connect Co., Ltd.			5,465		6,036		(8,000	)		691			4,192
Channel Corporation			6		—		—			(1	)		5
Bitgoeul Cheomdan Green 1st Co., Ltd.			1,239		—		—			9			1,248
Glenwood Credit Private Equity Fund No.2			—		—		—			680			680
Bigwave Robotics Corp. ^2^			501		—		(501	)		—			—
3D Interactive Co., Ltd.			1,779		—		—			(1,748	)		31
AIM FUTURE, Inc.			760		—		—			(260	)		500
New Daegu Busan Expressway Co., Ltd.			150,007		61,000		(130,500	)		(2,340	)		78,167
Novorex Inc.			6		—		—			—			6
Xenohelix Co., Ltd.			302		—		—			(237	)		65
ADP Holdings Co., Ltd.			2,058		6,124		(6,131	)		(1	)		2,050
ADPGREEN			1,802		4,400		(550	)		298			5,950
Logpresso Inc.			457		874		(874	)		(321	)		136
DYNE MEDICAL GROUP Inc.			3,813		3,300		(5,300	)		(854	)		959
Onheal Co., Ltd.			5,001		—		—			(5,000	)		1
TriOar Inc.			6,054		1,000		(4,500	)		600			3,154
Yeoulhyulgangho			456		410		(610	)		333			589
Allra Fintech Corp.			1,671		2,000		(3,000	)		394			1,065
Koru Pharma Co., Ltd. ^2^			—		100		—			24			124
Emocog Inc.			—		3,000		—			2			3,002
WhaTap Laps Inc.			—		—		—			3,541			3,541
Aldaver			—		—		—			849			849
Lemontree Inc.			—		—		—			618			618
enParticle Co., Ltd			—		—		—			2,644			2,644
ANTIGRAVITY			—		—		—			125			125
Grinergy Co., Ltd.			—		—		—			156			156
Key management personnel			15,365		18,166		(17,337	)		(1,913	)		14,281
^1^	Transactions between related parties, such as settlements arising from operating activities and deposits, are<br>expressed in net amount.
:---	:---
^2^	Excluded from the Group’s related party as of June 30, 2026.
:---	:---

168

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.5 Details of significant investment and withdrawal transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026				2025
	Equity<br>investment<br>and others		Withdrawal<br>and others		Equity<br>investment<br>and others		Withdrawal<br>and others
Associates and joint ventures
Balhae Infrastructure Company	~~W~~	—	~~W~~	37,145	~~W~~	—	~~W~~	4,660
POSCO-KB Shipbuilding Fund		—		850		—		250
KB-KDBC Pre-IPO New Technology Business Investment Fund		—		—		—		600
KB-SJ Tourism Venture Fund		—		—		—		190
Korea Credit Bureau Co., Ltd.		—		450		—		90
KB-Solidus Global Healthcare Fund *		—		373		—		3,300
KB-Stonebridge Secondary Private Equity Fund		26		406		—		4,565
KB SPROTT Renewable Private Equity Fund No.1		—		—		—		5,535
KB-NAU Special Situation Corporate Restructuring Private Equity Fund		—		4,910		3,609		3,918
2020 KB Fintech Renaissance Fund		—		—		—		165
KB-TS Technology Venture Private Equity Fund		—		83		39		—
Aju Good Technology Venture Fund		—		550		—		780
G payment Joint Stock Company		887		—		—		371
KB-KTB Technology Venture Fund		—		181		—		117
KB-SOLIDUS Healthcare Investment Fund		—		5,921		96		—
Paramark KB Fund No.1		342		1,121		3,690		—
FineKB Private Equity Fund No.1		—		—		—		2,200
KB No.21 Special Purpose Acquisition Company *		—		—		—		10
JS Private Equity Fund No.3 *		—		196		—		—
Star-Lord General Investors Private Real Estate Investment Company No.10		—		22		—		—
KB Co-Investment Private Equity Fund No.1		—		5,017		3,980		698
TMAP Mobility Co., Ltd.		—		50,072		—		—
POSITIVE Sobujang Venture Fund No.1 *		—		—		—		879
History 2022 Fintech Fund		—		—		—		1,500
KB-NP Green ESG New Technology Venture Capital Fund		238		8,826		9,014		—
KB-Badgers Future Mobility ESG Fund No.1		4,050		86		—		151
KB No.25 Special Purpose Acquisition Company *		—		5		—		—
KB No.26 Special Purpose Acquisition Company *		—		—		—		5
KB-SUSUNG 1st Investment Fund		—		195		—		855
Shinhan-Eco Venture Fund 2nd		25		43		25		—
2023 JB Newtech No.2 Fund *		—		—		—		1,406
U-KB Credit No.1 Private Equity		—		—		—		244
Timefolio Athleisure Investment Fund		—		1,600		—		—
AKK Robotech Valueup New Technology Investment Fund *		—		—		—		712
KB No.32 Special Purpose Acquisition Company		—		—		10		—
KB No.33 Special Purpose Acquisition Company		—		135		10		—
THE CHAEUL FUND NO.1 *		—		—		—		1,000
IMM global Secondary 1-1 Equity Private Fund		2,216		—		756		5
Elohim-Bilanx aerospace No.1 Fund		—		1,000		—		—
KB-CJ Venture Fund 1st		1,800		—		—		—
NOVORSEC-SJG Consumer Secondary Fund *		—		—		—		451

169

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.5 Details of significant investment and withdrawal transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows: (cont’d)

(In millions of Korean won)		2026				2025
		Equity<br>investment<br>and others		Withdrawal<br>and others		Equity<br>investment<br>and others		Withdrawal<br>and others
Allra Fintech Corp.		~~W~~	30	~~W~~	—	~~W~~	52	~~W~~	—
KB-SBI Global Strategic Capital Fund			11,136		16,439		7,672		—
KB-Cyrus Tourism Venture Fund			—		—		1,000		—
IBKS Design Fund *			—		2,000		—		—
KB-IMM New Star Real Estate Private Fund I			2,260		6,345		16,723		1,235
KB Rejuvenation Fund *			—		765		—		—
VIG Private Equity Fund V-3 *			—		—		55		—
KOENTEC Co. Ltd. *			—		—		—		107,428
E&I Holdings *			—		—		27,300		27,300
YG Al Industrial Automation Solutions FUND			—		—		2,000		—
KB-Novus Genesis Private Equity Fund			—		—		2,300		—
Semicolon Susong REITs Co., Ltd.			57		23,003		88,243		2,039
KB-LB Middle Market Enterprises Innovation Private Equity Fund			4,172		29		1,417		40
KB-IMM New Star Real Estate Private Fund II			15,836		398		—		—
KB-ANDA Deep Tech Venture Fund			1,250		—		—		—
DAYLI Fountainhead Blind Private Equity Fund II			—		—		750		—
Meritz-Hyundai Investment Real Estate Strategy No.1 Private Equity Fund			31,380		—		—		—
Smart Korea KB Future9-Sejong Venture Fund			—		275		1,000		7
VP Inc.			—		260		—		—
KB No.34 Special Purpose Acquisition Company			10		—		—		—
The Beauty GrowthCapital New Technology Finance Fund I			5,000		—		—		—
Wantedlab2607Fund			1,000		—		—		—
KB Humanoid Fund			1,130		—		—		—
*	Excluded from the Group’s related party as of June 30, 2026.
:---	:---

170

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.6 Unused commitments provided to related parties as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won or in a US Dollar or Indian Rupee)		June 30,<br>2026		December 31,<br>2025
Associates and joint ventures
Balhae Infrastructure Company	Purchase of securities	~~W~~	6,154	~~W~~	6,154
	Loan commitments in Korean won		—		65,000
Korea Credit Bureau Co., Ltd.	Unused lines of credit for credit card		562		559
Incheon Bridge Co., Ltd.	Loan commitments in Korean won		20,000		20,000
	Unused lines of credit for credit card		81		85
TeamSparta Inc. *	Unused lines of credit for credit card		—		1
3D Interactive Co., Ltd.	Unused lines of credit for credit card		10		23
Food Factory Co., Ltd.	Unused lines of credit for credit card		52		45
CellinCells Co., Ltd. *	Unused lines of credit for credit card		—		9
Big Dipper Co., Ltd.	Unused lines of credit for credit card		—		21
ASSEMBLE CORPORATION	Unused lines of credit for credit card		5		3
Spark Biopharma Inc. *	Unused lines of credit for credit card		—		27
IMBiologics Corp. *	Unused lines of credit for credit card		—		10
SuperNGine Co., Ltd.	Unused lines of credit for credit card		39		24
Pin Therapeutics Inc.	Unused lines of credit for credit card		11		30
Grinergy Co., Ltd.	Unused lines of credit for credit card		3		4
S&E Bio Co., Ltd.	Unused lines of credit for credit card		—		41
Wemade Connect Co., Ltd.	Unused lines of credit for credit card		68		68
TMAP Mobility Co., Ltd.	Unused lines of credit for credit card		722		701
Contents First Inc.	Unused lines of credit for credit card		38		80
Allra Fintech Corp.	Unused lines of credit for credit card		34		24
Bigwave Robotics Corp. *	Unused lines of credit for credit card		—		40
New Daegu Busan Expressway Co., Ltd.	Unused lines of credit for credit card		5		3
AIM FUTURE, Inc.	Unused lines of credit for credit card		42		37
Novorex Inc.	Unused lines of credit for credit card		6		22
Xenohelix Co., Ltd.	Unused lines of credit for credit card		6		5
ADPGREEN	Unused lines of credit for credit card		21		27
Logpresso Inc.	Unused lines of credit for credit card		30		20
DYNE MEDICAL GROUP Inc.	Unused lines of credit for credit card		102		117
TriOar Inc.	Unused lines of credit for credit card		36		38
KB-CJ Venture Fund 1st	Purchase of securities		2,400		4,200
KB-Stonebridge Secondary Private Equity Fund	Purchase of securities		173		173
KB-NAU Special Situation Corporate Restructuring Private Equity Fund	Purchase of securities		30,462		924
All Together Korea Fund No.2 (Stock-FoFs)	Purchase of securities		990,000		990,000
KB Co-Investment Private Equity Fund No.1	Purchase of securities		506		1,285

171

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.6 Unused commitments provided to related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won or in a US Dollar or Indian Rupee)		June 30,<br>2026		December 31,<br>2025
KB-Badgers Future Mobility ESG Fund No.1	Purchase of securities	~~W~~	21,519	~~W~~	25,569
KB-NP Green ESG New Technology Venture Capital Fund	Purchase of securities		1,050		1,050
KB-Solidus Global Healthcare Fund *	Commitments on loss absorption priority		—		4,500
Paramark KB Fund No.1	Purchase of securities		528		870
Shinhan-Eco Venture Fund 2nd	Purchase of securities		400		425
U-KB Credit No.1 Private Equity	Purchase of securities		18,566		18,566
KB-Cyrus Tourism Venture Fund	Purchase of securities		3,000		3,000
KB-SBI Global Strategic Capital Fund	Purchase of securities		21,970		32,888
KB-IMM New Star Real Estate Private Fund I	Purchase of securities		10,946		13,164
VIG Private Equity Fund V-3 *	Purchase of securities		—		5,503
KB-IMM New Star Real Estate Private Fund II	Purchase of securities		24,827		40,663
IMM global Secondary 1-1 Equity Private Fund	Purchase of securities		10,010		10,847
KB-LB Middle Market Enterprises Innovation Private Equity Fund	Purchase of securities		25,688		18,073
KB-ANDA Deep Tech Venture Fund	Purchase of securities		5,000		6,251
DAYLI Fountainhead Blind Private Equity Fund II	Purchase of securities		38,750		28,056
Meritz-Hyundai Investment Real Estate Strategy No.1 Private Equity Fund	Purchase of securities		25,973		57,353
Nextrade Co., Ltd.	Unused lines of credit for credit card		413		369
Aldaver	Unused lines of credit for credit card		10		10
ANTIGRAVITY	Unused lines of credit for credit card		3		4
Lemontree Inc.	Unused lines of credit for credit card		50		49
	Loan commitments in Korean won		—		450
WhaTap Laps Inc.	Unused lines of credit for credit card		57		59
	Loan commitments in Korean won		2,000		2,000
VP Inc.	Unused lines of credit for credit card		—		8
ByL	Unused lines of credit for credit card		10		—
Bitgoeul Cheomdan Green 1st Co., Ltd.	Purchase of securities		2,808		—

172

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.6 Unused commitments provided to related parties as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

(In millions of Korean won or in a US Dollar or Indian Rupee)			June 30,2026	December 31,2025
RMGP Bio-Pharma Investment Fund, L.P.		Purchase of securities	2,668,002	2,693,142
RMGP Bio-Pharma Investment, L.P.		Purchase of securities	8,460	8,470
RMG-KB BP Management Ltd.		Purchase of securities	352,450	446,888
RMG-KB BioAccess Fund L.P.		Purchase of securities	13,369,417	16,951,197
Elev8-Capital Fund I		Purchase of securities	1,058,979,396	1,787,096,277
Ascent Global Fund III LP		Purchase of securities	22,437,479	22,437,479
Key management personnel		Loan commitments in Korean won	2,054	1,898
*	Excluded from the Group’s related party as of June 30, 2026.
:---	:---

173

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.7 Details of compensation to key management personnel for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Short-term<br>employee<br>benefits		Post-<br>employment<br>benefits		Share-<br>based<br>payments		Total
Registered directors (executive)	~~W~~	3,550	~~W~~	400	~~W~~	10,938	~~W~~	14,888
Registered directors (non-executive)		568		—		—		568
Non-registered directors		7,142		299		15,482		22,923

	~~W~~	11,260	~~W~~	699	~~W~~	26,420	~~W~~	38,379

(In millions of Korean won)	2025
	Short-term<br>employee<br>benefits		Post-<br>employment<br>benefits		Share-<br>based<br>payments		Total
Registered directors (executive)	~~W~~	3,636	~~W~~	513	~~W~~	9,485	~~W~~	13,634
Registered directors (non-executive)		504		—		—		504
Non-registered directors		7,006		308		15,193		22,507

	~~W~~	11,146	~~W~~	821	~~W~~	24,678	~~W~~	36,645

174

KB Financial Group Inc. and Subsidiaries

Notes to the Consolidated Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

33.8 Details of collateral provided by related parties as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		Assets held<br>as collateral	June 30,<br>2026		December 31,<br>2025
Associates and joint ventures
Star-Lord General Investors Private Real Estate Investment Company No.10		Real estate	~~W~~	180,000	~~W~~	180,000
Semicolon Susong REITs Co., Ltd.		Collateral Trust		30,000		30,000
Key management personnel		Time deposits and<br>others	~~W~~	536	~~W~~	693
		Real estate		6,025		8,486
*	Excluded collateral related to lease agreements arising from ordinary business transactions between related<br>parties as of June 30, 2026.
:---	:---

As of June 30, 2026, Incheon Bridge Co., Ltd., a related party of the Group, provides fund management account, civil engineering works insurance, and management and operations rights as senior collateral amounting to ~~W~~611,000 million to the project financing group consisting of the Group and 5 other institutions, and as subordinated collateral amounting to ~~W~~384,800 million to subordinated debt holders consisting of the Group and 2 other institutions. Also, it provides certificate of credit guarantee amounting to ~~W~~400,000 million as collateral to the project financing group consisting of the Group and 5 other institutions.

34. Events After the Reporting Period

According to the resolution of the Board of Directors on July 23, 2026, the quarterly dividend per share of ~~W~~1,155 with a dividend record date of August 7, 2026, was declared. The Group’s financial statements as of June 30, 2026 do not reflect this dividend payable.

Pursuant to the resolution of the Board of Directors dated July 23, 2026, the Group plans to acquire treasury shares amounting to ~~W~~700,000 million on the Stock Exchange by December 16, 2026 , and retire the acquired treasury shares.

175

EX-99.2

Exhibit 99.2

KB Financial Group Inc.

Separate Interim Financial Statements

June 30, 2026 and 2025

(Unaudited)

KB Financial Group Inc.

		Page(s)
Report on Review of Condensed Separate Interim Financial Statements			1-2
Separate Interim Financial Statements
Separate Interim Statements of Financial Position			3
Separate Interim Statements of Comprehensive Income			4
Separate Interim Statements of Changes in Equity			5
Separate Interim Statements of Cash Flows			6
Notes to the Separate Interim Financial Statements			7-53

LOGO

Report on Review of Condensed Separate Interim Financial Statements

(English Translation of a Report Originally Issued in Korean)

To the Shareholders and the Board of Directors of

KB Financial Group Inc.

Reviewed Financial Statements

We have reviewed the accompanying condensed separate interim financial statements of KB Financial Group Inc. (the “Company”). These condensed separate interim financial statements consist of the separate interim statement of financial position of the Company as at June 30, 2026, and the related separate interim statements of comprehensive income for the three-month and six month periods ended June 30, 2026 and 2025, and separate interim statements of changes in equity and cash flows for the six-month periods ended June 30, 2026 and 2025, and material accounting policy information and other selected explanatory notes, expressed in Korean won.

Management’s Responsibility for the Financial Statements

Management is responsible for the preparation and presentation of these condensed separate interim financial statements in accordance with International Financial Reporting Standards as adopted by the Republic of Korea (Korean IFRS) 1034 Interim Financial Reporting, and for such internal control as management determines is necessary to enable the preparation of condensed separate interim financial statements that are free from material misstatement, whether due to fraud or error.

Auditor’s Responsibility

Our responsibility is to express a conclusion on these condensed separate interim financial statements based on our review.

Conclusion

Based on our review, nothing has come to our attention that causes us to believe the accompanying condensed separate interim financial statements are not prepared, in all material respects, in accordance with Korean IFRS 1034 Interim Financial Reporting.

www.samil.com	Samil PricewaterhouseCoopers,<br><br>100<br>Hangang-daero, Yongsan-gu, Seoul 04386, Korea

Other Matters

We have audited the separate statement of financial position of the Company as at December 31, 2025, and the related separate statements of comprehensive income, changes in equity and cash flows for the year then ended, not presented herein, in accordance with Korean Standards on Auditing. We expressed an unqualified opinion on those financial statements in our audit report dated March 6, 2026. The separate statement of financial position as at December 31, 2025, presented herein for comparative purposes, is consistent, in all material respects, with the above audited statement of financial position as at December 31, 2025.

/s/ Samil PricewaterhouseCoopers

Seoul, Korea

August 14, 2026

This report is effective as of August<br>14, 2026, the review report date. Certain subsequent events or circumstances, which may occur between the review report date and the time of reading this report, could have a material impact on the accompanying condensed separate interim financial statements<br>and notes thereto. Accordingly, the readers of the review report should understand that there is a possibility that the above review report may have to be revised to reflect the impact of such subsequent events or circumstances, if any.

KB Financial Group Inc.

Separate Interim Statements of Financial Position

June 30, 2026 and December 31, 2025

(In millions of Korean won)

		June 30, 2026<br>(Unaudited)			December 31, 2025
Assets
Cash and due from financial institutions	4,5,6,22	~~W~~	482,142		~~W~~	974,585
Financial assets at fair value through profit or loss	4,5,7		984,897			1,251,607
Loans measured at amortized cost	4,5,8		349,112			349,112
Investments in subsidiaries	9		27,867,817			26,867,817
Property and equipment			4,240			2,896
Intangible assets			12,559			13,207
Net defined benefit assets	12		2,703			3,058
Deferred income tax assets	10		14,283			9,354
Other assets	4,5		887,119			1,381,504

Total assets		~~W~~	30,604,872		~~W~~	30,853,140

Liabilities
Debentures	4,5,11		5,509,479			4,520,297
Current income tax liabilities			372,894			544,056
Other liabilities	4,5		544,593			853,551

Total liabilities			6,426,966			5,917,904

Equity	13
Share capital			2,090,558			2,090,558
Hybrid securities			4,206,589			4,359,256
Capital surplus			7,247,126			14,751,591
Accumulated other comprehensive loss			(8,196	)		(8,601	)
Retained earnings			10,817,843			5,643,970
Treasury shares			(176,014	)		(1,901,538	)

Total equity			24,177,906			24,935,236

Total liabilities and equity		~~W~~	30,604,872		~~W~~	30,853,140

The above separate interim statements of financial position should be read in conjunction with the accompanying notes.

KB Financial Group Inc.

Separate Interim Statements of Comprehensive Income

Three-Month and Six-Month Periods Ended June 30, 2026 and 2025

(In millions of Korean won, except per share amounts)

		2026<br>(Unaudited)						2025<br>(Unaudited)
		Three months			Six months			Three months			Six months
Interest income		~~W~~	5,398		~~W~~	12,530		~~W~~	10,549		~~W~~	16,076
Interest income from financial instruments at amortized cost			4,380			10,516			9,533			14,218
Interest income from financial instruments at fair value through profit or loss			1,018			2,014			1,016			1,858
Interest expense			(36,167	)		(69,573	)		(30,214	)		(58,905	)

Net interest expense	15		(30,769	)		(57,043	)		(19,665	)		(42,829	)

Fee and commission income			513			984			518			990
Fee and commission expense			(4,170	)		(5,791	)		(2,071	)		(4,333	)

Net fee and commission expense	16		(3,657	)		(4,807	)		(1,553	)		(3,343	)

Net gains on financial instruments at fair value through profit or loss	17		9,748			17,222			22,461			47,912

Net other operating income	18		100,000			1,365,231			—			2,355,586

General and administrative expenses	19		(28,252	)		(57,483	)		(28,165	)		(50,333	)

Operating income (expense) before provision for credit losses			47,070			1,263,120			(26,922	)		2,306,993
Provision for credit losses			(7	)		(6	)		(7	)		(6	)

Net operating income (expense)			47,063			1,263,114			(26,929	)		2,306,987
Net non-operating income (expense)			106			596			(174	)		(107	)

Profit (loss) before tax			47,169			1,263,710			(27,103	)		2,306,880
Income tax benefit (expense)	20		5,023			5,650			809			(6,581	)

Profit (loss) for the period			52,192			1,269,360			(26,294	)		2,300,299

Items that will not be reclassified to profit or loss:
Remeasurements of net defined benefit liabilities			467			405			36			25

Other comprehensive income for the period, net of tax			467			405			36			25

Total comprehensive income (expense) for the period		~~W~~	52,659		~~W~~	1,269,765		~~W~~	(26,258	)	~~W~~	2,300,324

Earnings per share	21
Basic earnings per share		~~W~~	29		~~W~~	3,322		~~W~~	(219	)	~~W~~	5,954
Diluted earnings per share			29			3,296			(217	)		5,900

The above separate interim statements of comprehensive income should be read in conjunction with the accompanying notes.

KB Financial Group Inc.

Separate Interim Statements of Changes in Equity

Six-Month Periods Ended June 30, 2026 and 2025

(In millions of Korean won)

	Share<br>capital		Hybrid<br>securities			Capital<br>surplus			Accumulated<br>other<br>comprehensive<br>income			Retained<br>earnings			Treasury<br>shares			Total<br>equity
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		—		—			—			—			2,300,299			—			2,300,299
Remeasurements of net defined benefit liabilities		—		—			—			25			—			—			25

Total comprehensive income for the period		—		—			—			25			2,300,299			—			2,300,324

Transactions with shareholders
Annual dividends		—		—			—			—			(298,285	)		—			(298,285	)
Quarterly dividends		—		—			—			—			(334,339	)		—			(334,339	)
Acquisition of treasury shares		—		—			—			—			—			(820,000	)		(820,000	)
Retirement of treasury shares		—		—			—			—			(814,522	)		814,522			—
Issuance of hybrid securities		—		404,013			—			—			—			—			404,013
Redemption of hybrid securities		—		(324,099	)		—			—			—			—			(324,099	)
Dividends on hybrid securities		—		—			—			—			(103,317	)		—			(103,317	)
Others		—		—			(901	)		—			—			—			(901	)

Total transactions with shareholders		—		79,914			(901	)		—			(1,550,463	)		(5,478	)		(1,476,928	)

Balance as of June 30, 2025 (Unaudited)	~~W~~	2,090,558	~~W~~	5,162,273		~~W~~	14,753,574		~~W~~	(8,291	)	~~W~~	5,055,378		~~W~~	(1,241,538	)	~~W~~	25,811,954

Balance as of January 1, 2026	~~W~~	2,090,558	~~W~~	4,359,256		~~W~~	14,751,591		~~W~~	(8,601	)	~~W~~	5,643,970		~~W~~	(1,901,538	)	~~W~~	24,935,236

Comprehensive income for the period
Profit for the period		—		—			—			—			1,269,360			—			1,269,360
Remeasurements of net defined benefit liabilities		—		—			—			405			—			—			405

Total comprehensive income for the period		—		—			—			405			1,269,360			—			1,269,765

Transactions with shareholders
Annual dividends		—		—			—			—			(573,768	)		—			(573,768	)
Quarterly dividends		—		—			—			—			(405,088	)		—			(405,088	)
Acquisition of treasury shares		—		—			—			—			—			(804,294	)		(804,294	)
Retirement of treasury shares		—		—			—			—			(2,529,818	)		2,529,818			—
Issuance of hybrid securities		—		431,952			—			—			—			—			431,952
Redemption of hybrid securities		—		(584,619	)		—			—			—			—			(584,619	)
Dividends on hybrid securities		—		—			—			—			(86,813	)		—			(86,813	)
Transfer to retained earnings		—		—			(7,500,000	)		—			7,500,000			—			—
Others		—		—			(4,465	)		—			—			—			(4,465	)

Total transactions with shareholders		—		(152,667	)		(7,504,465	)		—			3,904,513			1,725,524			(2,027,095	)

Balance as of June 30, 2026 (Unaudited)	~~W~~	2,090,558		4,206,589			7,247,126			(8,196	)		10,817,843			(176,014	)		24,177,906

The above separate interim statements of changes in equity should be read in conjunction with the accompanying notes.

KB Financial Group Inc.

Separate Interim Statements of Cash Flows

Six-Month Periods Ended June 30, 2026 and 2025

(In millions of Korean won)

		2026<br>(Unaudited)			2025<br>(Unaudited)
Cash flows from operating activities
Profit for the period		~~W~~	1,269,360		~~W~~	2,300,299

Adjustment for non-cash items
Depreciation and amortization expense			2,486			2,799
Provision for credit losses			6			6
Share-based payments			11,774			10,651
Net interest expense			2,333			11,233
Losses (gains) from changes in fair value of financial assets at fair value through profit or<br>loss			13,775			(13,012	)
Losses on redemption of financial assets at fair value through profit or loss			3,601			—
Net other expense			855			804

			34,830			12,481

Changes in operating assets and liabilities
Deferred income tax assets			(5,082	)		2,682
Other assets			902,902			531,368
Other liabilities			(901,303	)		(527,905	)

			(3,483	)		6,145

Cash flows from operating activities			1,300,707			2,318,925

Cash flows used in investing activities
Acquisition of financial assets at fair value through profit or loss			—			(600,029	)
Disposal of financial assets at fair value through profit of loss			150,272			500,000
Redemption of financial assets at fair value through profit of loss			100,000			—
Acquisition of subsidiaries			(1,000,000	)		—
Acquisition of property and equipment			(1,153	)		(738	)
Acquisition of intangible assets			(615	)		(438	)
Disposal of intangible assets			61			109
Net decrease (increase) in guarantee deposits paid			(5,243	)		3,646

Cash flows used in investing activities			(756,678	)		(97,450	)

Cash flows used in financing activities
Increase in borrowings			750,000			—
Decrease in borrowings			(750,000	)		(765,000	)
Increase in debentures			1,297,780			1,477,332
Decrease in debentures			(310,000	)		(580,000	)
Redemption of principal of lease liabilities			(281	)		(292	)
Dividends paid to shareholders			(978,856	)		(632,624	)
Acquisition of treasury shares			(804,294	)		(820,000	)
Issuance of hybrid securities			431,952			404,013
Redemption of hybrid securities			(586,000	)		(325,000	)
Dividends paid on hybrid securities			(86,813	)		(103,317	)
Others			40			32

Cash flows used in financing activities			(1,036,472	)		(1,344,856	)

Net increase (decrease) in cash and cash equivalents			(492,443	)		876,619
Cash and cash equivalents at the beginning of the period	22		974,582			318,388

Cash and cash equivalents at the end of the period	22	~~W~~	482,139		~~W~~	1,195,007

The above separate interim statements of cash flows should be read in conjunction with the accompanying notes.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

1. The Company

KB Financial Group Inc. (the “Company”), in accordance with the Financial Holding Companies Act, was established on September 29, 2008, through stock transfers with the former shareholders of Kookmin Bank, KB Investment & Securities Co., Ltd., KB Asset Management Co., Ltd., KB Real Estate Trust Co., Ltd., KB Investment Co., Ltd., KB Futures Co., Ltd., KB Credit Information Co., Ltd., and KB Data Systems Co., Ltd., and the Company’s main business purpose is to control subsidiaries that engage in the financial business or subsidiaries closely related to the financial business through the stock ownership. The headquarter is located at 26, Gukjegeumyung-ro 8-gil, Yeongdeungpo-gu, Seoul. The Company’s share capital as of June 30, 2026, is ~~W~~ 2,090,558 million. In 2011, Kookmin Bank spun off its credit card business segment and established a new separate credit card company, KB Kookmin Card Co., Ltd., and KB Investment & Securities Co., Ltd. merged with KB Futures Co., Ltd. The Company established KB Savings Bank Co., Ltd. in January 2012, acquired Yehansoul Savings Bank Co., Ltd. in September 2013, and KB Savings Bank Co., Ltd. merged with Yehansoul Savings Bank Co., Ltd. in January 2014. In March 2014, the Company acquired Woori Financial Co., Ltd. and changed its name to KB Capital Co., Ltd. Meanwhile, the Company included LIG Insurance Co., Ltd. as an associate and changed its name to KB Insurance Co., Ltd. in June 2015, and KB Insurance Co., Ltd. became one of the subsidiaries through a tender offer in May 2017. Also, the Company included Hyundai Securities Co., Ltd. as an associate in June 2016 and included it as a subsidiary in October 2016 by comprehensive exchange of shares. Hyundai Securities Co., Ltd. merged with KB Investment & Securities Co., Ltd. in December 2016 and changed its name to KB Securities Co., Ltd. in January 2017. In August 2020, the Company and subsidiaries (the “Group”) acquired Prudential Life Insurance Company of Korea Ltd. which was classified as a subsidiary and the name was changed to KB Life Insurance Co., Ltd. in December 2022. Then in January 2023, it merged with another existing KB Life Insurance Co., Ltd. The Company sold 100% of the shares of KB Credit Information Co., Ltd. to KB Kookmin Card Co., Ltd. on June 30, 2023.

The Company has been listed on the Korea Exchange (“KRX”) since October 10, 2008, and on the New York Stock Exchange (“NYSE”) for its American Depositary Shares (“ADS”) since September 29, 2008. The number of shares authorized in its Articles of Incorporation is 1,000 million.

2. Basis of Preparation

2.1 Application of Korean IFRS

The Company maintains its accounting records in Korean won and prepares statutory financial statements in the Korean language (Hangul) in accordance with International Financial Reporting Standards as adopted by the Republic of Korea (“Korean IFRS”). The accompanying separate financial statements have been translated into English from the Korean language separate financial statements.

The separate financial statements of the Company have been prepared in accordance with Korean IFRS. Korean IFRS are the standards and related interpretations issued by the International Accounting Standards Board (“IASB”) that have been adopted by the Republic of Korea.

The preparation of separate financial statements requires the use of certain critical accounting estimates. Management also needs to exercise judgment in applying the Company’s accounting policies. The areas that require more complex and higher level of judgment or areas that require significant assumptions and estimates are disclosed in Note 2.4.

The separate financial statements have been prepared in accordance with Korean IFRS No.1027 Separate Financial Statements.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

2.1 Application of Korean IFRS (cont’d)

The Company’s condensed separate interim financial statements for the six-month period ended June 30, 2026, have been prepared in accordance with Korean IFRS No.1034 Interim Financial Reporting and contain less information than is required in annual separate financial statements. Selected explanatory notes include descriptions of transactions or events that are significant in understanding changes in the financial position and financial performance of the Company since the end of the previous annual reporting period. These separate interim financial statements have been prepared in accordance with Korean IFRS that is effective or early adopted as of June 30, 2026.

2.1.1 The Company has applied the following standards and amendments for the first time for their annual reporting period commencing January 1, 2026.

-	Amendments to Korean IFRS No.1109 Financial Instruments, Korean IFRS No.1107 Financial Instruments:<br>Disclosures

Korean IFRS No.1109 Financial Instruments and Korean IFRS No.1107 Financial Instruments: Disclosures have been amended to respond to recent questions arising in practice, and to include new requirements. These amendments do not have a significant impact on the financial statements. These amendments:

-	clarify the date of recognition and derecognition of some financial assets and liabilities, with a new exception<br>for some financial liabilities settled through an electronic cash transfer system;
-	clarify and add further guidance for assessing whether a financial asset meets the solely payments of principal<br>and interest (SPPI) criterion;
:---	:---
-	add new disclosures of impact on the entity and the extent to which the entity is exposed for each type of<br>financial instruments if the timing or amount of contractual cash flow changes due to amendment of contract term; and
:---	:---
-	update the disclosures for equity instruments designated at fair value through other comprehensive income (FVOCI)
:---	:---
-	Annual Improvements to Korean IFRS—Volume 11
:---	:---

•	Korean IFRS No.1101 First-time Adoption of International Financial Reporting Standards: Hedge accounting by a<br>first-time adopter
•	Korean IFRS No.1107 Financial Instruments: Disclosures: Gain or loss on derecognition and implementation guidance
:---	:---
•	Korean IFRS No.1109 Financial Instruments: Derecognition of lease liabilities and definition of transaction price
:---	:---
•	Korean IFRS No.1110 Consolidated Financial Statements: Determination of a ‘de facto agent’
:---	:---
•	Korean IFRS No.1007 Statement of Cash Flows: Cost method
:---	:---

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

2.1.2 The following are the accounting standards that have been issued but were not mandatory for annual reporting periods ending on December 31, 2026.

-	Korean IFRS No.1118 Presentation and Disclosures in Financial Statements

When the Company prepares its financial statements by applying Korean IFRS No.1118, the following material accounting policies are expected to result in significant differences compared to the current financial statements. These items do not include all potential differences and may be subject to change based on further analysis.

•	Changes in the presentation of the income statement

Korean IFRS No.1118 requires all income and expenses included in the statement of profit or loss to be classified into one of five categories: operating, investing, financing, income taxes, and discontinued operations. The Standard classifies all income and expenses not attributable to the investing, financing, income tax, or discontinued operations categories as operating and defines operating profit or loss as a residual measure. The Company is required to assess its main business activities in determining the classification of income and expenses. Where the Company’s main business activities include investing in a particular type of asset or providing financing to customers, certain income and expenses that would otherwise be classified as investing or financing are classified as operating. Accordingly, operating profit or loss determined under Korean IFRS No.1118 may differ significantly from that determined under Korean IFRS No.1001.The Standard requires the disclosure, in the notes, of operating profit or loss determined in accordance with Korean IFRS No.1001, as well as a reconciliation between operating profit or loss under Korean IFRS No.1118 and that determined in accordance with Korean IFRS No.1001.

In addition, Korean IFRS No.1118 requires the presentation in the statement of profit or loss of “operating profit or loss,” comprising all income and expenses classified in the operating category; “profit or loss before financing and income taxes,” comprising operating profit or loss and all income and expenses classified in the investing category; and “profit or loss.” However, where the Company’s main business activities include providing financing to customers, the presentation of “profit or loss before financing and income taxes” may not be required, depending on the accounting policy applied.

•	Introduction of disclosure of management-defined performance measures

When the Company reports MPMs, it is required to disclose the reasons why such measures provide useful information, how those measures are calculated, and a reconciliation between those measures and the most directly comparable subtotal specified in Korean IFRS No.1118. In addition, the Company is required to disclose the income tax effects and the effects on non-controlling interests for each reconciling item.

•	Changes in classification of cash flows

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

As the mandatory effective date of Korean IFRS No.1118 has not yet been reached, the Company has not applied the Standard and plans to present its first interim financial statements for the period ending March 31, 2027 in accordance with Korean IFRS No.1118. Based on the information available as of June 30, 2026, the Company is in the process of assessing the financial impact of adopting Korean IFRS No.1118, establishing accounting policies, and implementing changes to its accounting systems, and is performing a preliminary overall assessment of the impact of applying the Standard.

2.2 Measurement Basis

The separate financial statements have been prepared under the historical cost convention unless otherwise specified.

2.3 Functional and Presentation Currency

Items included in the separate financial statements of the Company are measured using the currency of the primary economic environment in which the Company operates (“functional currency”). The separate financial statements are presented in Korean won, which is the Company’s functional and presentation currency.

2.4 Critical Accounting Estimates

The Company applies accounting policies and uses judgements, accounting estimates, and assumptions that may have a significant impact on the assets (liabilities) and incomes (expenses) in preparing the separate financial statements. Management’s estimates of outcomes may differ from actual outcomes if management’s estimates and assumptions based on management’s best judgment are different from the actual environment.

Estimates and underlying assumptions are continually evaluated, and changes in accounting estimates are recognized in the period in which the estimates are changed and in any future periods affected.

Uncertainties in estimates and assumptions with significant risks used in the preparation of these condensed separate interim financial statements are the same as 2025 financial statements, except for the method of estimating income tax expense.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

3. Material Accounting Policies

The material accounting policies and calculation methods applied in the preparation of these condensed separate interim financial statements are the same as those applied to the separate financial statements for the year ended December 31, 2025, except for the impact of changes due to adopting new and amended standards and interpretations, as described in Note 2.1 and below paragraph.

The Company is subject to Pillar 2 income taxes, and has applied the temporary exemption provision regarding the recognition and disclosure of deferred taxes related to the Pillar 2 rules.

Income tax expense for the interim period is measured by applying the expected average annual income tax rate applicable on expected total annual income.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4. Financial Risk Management

4.1 Summary

4.1.1 Overview of financial risk management policy

The financial risks that the Company is exposed to are credit risk, market risk, liquidity risk, operational risk, and others.

This note regarding financial risk management provides information about the risks that the Company is exposed to and about its objectives, policies, risk assessment and management procedures, and capital management. Additional quantitative information is disclosed throughout the separate financial statements.

The Company’s risk management system focuses on efficiently supporting long-term strategy and management decisions of the Company by increasing risk transparency, preventing risk transfer between subsidiaries and preemptive response to rapidly changing financial environments. Credit risk, market risk, liquidity risk, operational risk, interest rate risk, insurance risk, credit concentration risk, strategy risk, reputation risk, and foreign exchange settlement risk are recognized as significant risks.

4.1.2 Risk management organization

4.1.2.1 Risk Management Committee

The Risk Management Committee, as the ultimate decision-making body, establishes risk management strategies in accordance with the strategic direction determined by the Board of Directors, determining the affordable level of risk appetite, reviewing the level of risk and the status of risk management activities, approving the application of risk management systems, methodologies, and major improvements, and establishing and approving risk management policies and procedures to timely recognize, measure, monitor, and control risks arising from various transactions by the Company and subsidiaries (the “Group”).

4.1.2.2 Risk Management Council

The Risk Management Council discusses matters delegated by the Risk Management Committee and matters referred for review by the Group Management Committee, as well as detailing matters relating to the implementation of the risk management strategies and procedures established by the Risk Management Committee for each affiliate, monitoring the Group’s risk management status, and establishing and implementing necessary measures.

4.1.2.3 Risk Management Department

The Risk Management Department performs the Company’s risk management detailed policies, procedures, and business processes, and is responsible for calculating the Group’s risk-weighted assets, monitoring and managing internal capital limits.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2 Credit Risk

4.2.1 Overview of credit risk

Credit risk is the risk of loss from a portfolio of assets held due to a counterparty’s default, breach of contract, and deterioration in credit quality. For risk management purposes, the Company considers the default risk of individual borrowers.

4.2.2 Credit risk management

The Company measures the expected losses on assets subject to credit risk management and uses them as a management indicator.

4.2.3 Maximum exposure to credit risk

The Company’s maximum exposures to credit risk without consideration of collateral values in relation to financial instruments other than equity securities as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026		December 31, 2025
Due from financial institutions		~~W~~	482,142	~~W~~	974,585
Loans measured at amortized cost *			349,112		349,112
Loans measured at fair value through profit or loss			52,390		54,502
Other financial assets *			60,086		46,688

		~~W~~ 943,730		~~W~~ 1,424,887

*	After netting of allowance
:---	:---

4.2.4 Credit risk of loans

The Company maintains allowances for loan losses associated with credit risk of loans to manage its credit risk.

The Company assesses expected credit losses and recognizes loss allowances of financial assets at amortized cost and financial assets at fair value through other comprehensive income. Financial assets at fair value through profit or loss are excluded. Expected credit losses are probability-weighted estimate of possible credit losses occurring within a certain range by reflecting reasonable and supportable information that is reasonably available at the end of the reporting period without undue cost or effort, including information about past events, current conditions, and forecasts of future economic conditions. The Company measures the expected credit losses on loans classified as financial assets at amortized cost, by deducting allowances for credit losses. The expected credit losses on loans classified as financial assets at fair value through other comprehensive income are presented in other comprehensive income in the financial statements.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.4 Credit risk of loans (cont’d)

Credit qualities of loans measured at amortized cost as of June 30, 2026 and December 31 2025, are classified as follows:

(In millions of Korean won)

	June 30, 2026
	12-month<br>expected credit<br>losses		Lifetime expected credit losses				Not applying<br>expected<br>credit losses		Total
			Not impaired		Impaired
Loans measured at amortized cost *
Corporate
Grade 1	~~W~~	350,000	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	350,000
Grade 2		—		—		—		—		—
Grade 3		—		—		—		—		—
Grade 4		—		—		—		—		—
Grade 5		—		—		—		—		—

	~~W~~	350,000	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	350,000

(In millions of Korean won)

		December 31, 2025
		12-month<br>expected credit<br>losses		Lifetime expected credit losses				Not applying<br>expected<br>credit losses		Total
				Not impaired		Impaired
Loans measured at amortized cost *
Corporate
Grade 1		~~W~~	350,000	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	350,000
Grade 2			—		—		—		—		—
Grade 3			—		—		—		—		—
Grade 4			—		—		—		—		—
Grade 5			—		—		—		—		—

		~~W~~	350,000	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	350,000

*	Before netting of allowance
:---	:---

Credit qualities of loans graded according to the probability of default as of June 30, 2026 and December 31 2025, are as follows:

		Range of probability of default (%)
Grade 1		0.0 ~ 1.0
Grade 2		1.0 ~ 5.0
Grade 3		5.0 ~ 15.0
Grade 4		15.0 ~ 30.0
Grade 5		30.0 ~

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.5 Credit risk of due from financial institutions

Credit qualities of due from financial institutions as of June 30, 2026, and December 31, 2025, are as follows:

(In millions of Korean won)

	June 30, 2026
	12-month<br>expected<br>credit losses		Lifetime expected credit losses				Not applying<br>expected<br>credit losses		Total
			Not impaired		Impaired
Due from financial institutions measured at amortized cost
Grade 1	~~W~~	482,142	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	482,142
Grade 2		—		—		—		—		—
Grade 3		—		—		—		—		—
Grade 4		—		—		—		—		—
Grade 5		—		—		—		—		—

	~~W~~	482,142	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	482,142

(In millions of Korean won)

	December 31, 2025
	12-month<br>expected<br>credit losses		Lifetime expected credit losses				Not applying<br>expected<br>credit losses		Total
			Not impaired		Impaired
Due from financial institutions measured at amortized cost
Grade 1	~~W~~	974,585	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	974,585
Grade 2		—		—		—		—		—
Grade 3		—		—		—		—		—
Grade 4		—		—		—		—		—
Grade 5		—		—		—		—		—

	~~W~~	974,585	~~W~~	—	~~W~~	—	~~W~~	—	~~W~~	974,585

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.2.6 Credit risk concentration analysis

4.2.6.1 Classifications of corporate loans by industry as of June 30, 2026, and December 31, 2025, are as follows:

(In millions of Korean won)		June 30, 2026
		Corporate loans *						%			Allowances							Carrying amount
Financial institutions		~~W~~				402,390			100.00		~~W~~				(888	)		~~W~~				401,502
(In millions of Korean won)		December 31, 2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---
		Corporate loans *						%			Allowances							Carrying amount
Financial institutions		~~W~~				404,502			100.00		~~W~~				(888	)		~~W~~				403,614
*	Amount includes loans measured at fair value through profit or loss and amortized cost.
:---	:---

4.2.6.2 Classifications of due from financial institutions by industry as of June 30, 2026, and December 31 2025, are as follows:

(In millions of Korean won)		June 30, 2026
		Amount				%			Allowances				Carrying amount
Due from financial institutions measured at amortized cost
Financial institutions		~~W~~	482,142				100.00		~~W~~	—			~~W~~	482,142
(In millions of Korean won)		December 31, 2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---	---	---	---
		Amount				%			Allowances				Carrying amount
Due from financial institutions measured at amortized cost
Financial institutions		~~W~~	974,585				100.00		~~W~~	—			~~W~~	974,585

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.3 Liquidity Risk

4.3.1 Overview of liquidity risk

Liquidity risk refers to the risk that the Company may face insolvency due to a shortage of funds arising from mismatches in the timing of fund procurement and utilization or unexpected cash outflows, or may incur losses through obtaining high-interest borrowings or disposing of held assets on unfavorable terms in order to resolve such funding shortages. The Company manages its liquidity risk through analysis of the contractual maturity of all financial assets and liabilities and discloses in six categories such as on demand, less than one month, between one month to three months, between three months to one year, between one year to five years, and over five years.

4.3.2. Liquidity risk management

4.3.3. Analysis of remaining contractual maturity of financial liabilities

The cash flows disclosed in the maturity analysis are undiscounted contractual amounts including principal and future interest payments; as such, amounts in the table below do not match with those in the statements of financial position which are based on discounted cash flows(DCFs). The future interest payments for floating-rate liabilities are calculated on the assumption that the current interest rate is the same until maturity.

Remaining contractual maturity of financial liabilities as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

	June 30, 2026
	On Demand		Up to 1<br>month		1-3<br>months		3-12<br>months		1-5<br>years		Over 5<br>years		Total
Financial liabilities
Debentures	~~W~~	—	~~W~~	96,097	~~W~~	144,034	~~W~~	1,031,960	~~W~~	4,492,356	~~W~~	131,717	~~W~~	5,896,164
Lease liabilities		—		62		102		401		400		—		965
Other financial liabilities		—		14,026		—		16,319		—		—		30,345

	~~W~~	—	~~W~~	110,185	~~W~~	144,136	~~W~~	1,048,680	~~W~~	4,492,756	~~W~~	131,717	~~W~~	5,927,474

(In millions of Korean won)

	December 31, 2025
	On<br>Demand		Up to<br>1 month		1-3<br>months		3-12<br>months		1-5<br>years		Over 5<br>years		Total
Financial liabilities
Debentures	~~W~~	—	~~W~~	41,812	~~W~~	17,285	~~W~~	783,422	~~W~~	3,736,418	~~W~~	234,604	~~W~~	4,813,541
Lease liabilities		—		51		89		365		258		—		763
Other financial liabilities		—		2,041		508		—		—		—		2,549

	~~W~~	—	~~W~~	43,904	~~W~~	17,882	~~W~~	783,787	~~W~~	3,736,676	~~W~~	234,604	~~W~~	4,816,853

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

4.4 Market Risk

4.4.1 Concept

Market risk refers to the risk of loss arising from fluctuations in market factors such as interest rates, stock prices, and exchange rates. The Company manages market risk separately for those arising from the trading position and those arising from the non-trading position.

4.4.2 Trading position

In accordance with Financial Holding Companies Act, the Company’s main business is to control financial companies or companies closely related to the financial service. And the Company cannot perform any other business other than managing activities as a holding company, therefore there is no risk of trading position.

4.4.3 Non-trading position

Non-trading position refers to the part except trading position, and the main risk the Company is managing is interest rate risk.

4.4.3.1 Interest rate risk

(a) Definition of interest rate risk

Interest rate risk refers to the risk of changes in the value (fair value) of the items in the statement of financial position due to changes in interest rate and the risk of changes in cash flows related to interest income and interest expense arising from investment and financing activities.

(b) Observation method and management indicator on interest rate risk

The main objective of interest rate risk management is to protect the value changes from interest rate fluctuations. The Company uses the Interest Rate Risk in the Banking Book (“IRRBB”) standard methodology required for disclosure to measure interest rate risk.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5. Financial Assets and Financial Liabilities

5.1 Classification and Fair Value of Financial Instruments

5.1.1 Carrying amount and fair value of financial assets and liabilities by category as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Carrying amount		Fair value
Financial assets
Financial assets at fair value through profit or loss
Hybrid securities	~~W~~	932,507	~~W~~	932,507
Loans		52,390		52,390
Financial assets at amortized cost
Due from financial institutions		482,142		482,142
Loans		349,112		349,112
Other financial assets		60,086		60,086

	~~W~~	1,876,237	~~W~~	1,876,237

Financial liabilities
Financial liabilities at amortized cost
Debentures	~~W~~	5,509,479	~~W~~	5,386,076
Other financial liabilities		50,252		50,252

	~~W~~	5,559,731	~~W~~	5,436,328

(In millions of Korean won)	December 31, 2025
	Carrying amount		Fair value
Financial assets
Financial assets at fair value through profit or loss
Hybrid securities	~~W~~	1,197,105	~~W~~	1,197,105
Loans		54,502		54,502
Financial assets at amortized cost
Due from financial institutions		974,585		974,585
Loans		349,112		349,112
Other financial assets		46,688		46,688

	~~W~~	2,621,992	~~W~~	2,621,992

Financial liabilities
Financial liabilities at amortized cost
Debentures	~~W~~	4,520,297	~~W~~	4,460,116
Other financial liabilities		18,220		18,220

	~~W~~	4,538,517	~~W~~	4,478,336

Fair value is defined as the price that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants. The Company discloses the fair value of each class of assets and liabilities in a way that permits it to be compared with its carrying amount at the end of each reporting period. The best evidence of fair value of financial instruments is quoted price in an active market.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.1.1 Carrying amount and fair value of financial assets and liabilities by category as of June 30, 2026 and December 31, 2025, are as follows: (cont’d)

Methods of determining fair value of financial instruments are as follows:

Cash and due from financial institutions		Fair value of cash is same as carrying amount. Carrying amount of demand deposit and settlement deposit is a reasonable approximation of fair value because these financial instruments do not have a fixed maturity and are receivable<br>on demand. Fair value of general deposit is measured using Discounted Cash Flow (“DCF”) Model.
Securities		Fair value of financial instruments that are quoted in an active market is determined using the quoted prices. If there is no quoted price, fair value is determined using external professional valuation institutions. The<br>institutions use one or more valuation techniques that are deemed appropriate considering the characteristics of the financial instruments among DCF Model, Imputed Market Value Model, Free Cash Flow to Equity Model, Dividend Discount Model, Risk<br>Adjusted Discount Rate Method, and Net Asset Value Method.
Derivatives		Fair value of exchange traded derivatives is determined using quoted price in an active market, and fair value of OTC derivatives is determined using valuation techniques. The Company uses internally developed valuation models that<br>are widely used by market participants to determine fair value of plain vanilla OTC derivatives including options, interest rate swaps, and currency swaps, based on observable market parameters. However, some complex financial instruments are valued<br>using appropriate models developed from generally accepted market valuation models including the Finite Difference Method (“FDM”), and the Monte Carlo Simulation or valuation results from independent external professional valuation<br>institution.
Loans		Fair value of loans is determined using DCF model discounting the expected cash flows, which are contractual cash flows adjusted by the expected prepayment rate, at an appropriate discount rate.
Borrowings		DCF model is used to determine the fair value of borrowings, but in the case of short-term maturity, carrying amount is a reasonable approximation of fair value.
Debentures		Fair value is determined by using valuation results of external professional valuation institutions, which are calculated using market inputs.
Other financial assets and other financial liabilities		Carrying amount is a reasonable approximation of fair value because other financial assets and other financial liabilities are temporary accounts used for other various transactions and their maturities are relatively short or not<br>defined.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.1.2 Fair value hierarchy

The Company believes that valuation techniques used for measuring the fair value of financial instruments are reasonable and that the fair value recognized in the statements of financial position is appropriate. However, the fair value of the financial instruments recognized in the statements of financial position may be different if other valuation techniques or assumptions are used. Additionally, as there are a variety of valuation techniques and assumptions used in measuring fair value, it may be difficult to reasonably compare the fair value with that of other financial institutions.

The Company classifies and discloses fair value of the financial instruments into the three fair value levels as follows:

Level 1:		The fair values are based on quoted prices (unadjusted) in active markets for identical assets or liabilities that the entity can access at the measurement date.
Level 2:		The fair values are based on inputs other than quoted prices included within Level 1 that are observable for the asset or liability, either directly or indirectly.
Level 3:		The fair values are based on unobservable inputs for the asset or liability.

5.1.2.1 Fair value hierarchy of financial assets and liabilities at fair value in the statements of financial position

Fair value hierarchy of financial assets at fair value in the statements of financial position as of June 30, 2026 and December 31, 2025, is as follows:

(In millions of Korean won)	June 30, 2026
	Fair value hierarchy						Total
	Level 1		Level 2		Level 3
Financial assets
Financial assets at fair value through profit or loss:
Hybrid securities	~~W~~	—	~~W~~	—	~~W~~	932,507	~~W~~	932,507
Loans		—		52,390		—		52,390

	~~W~~	—	~~W~~	52,390	~~W~~	932,507	~~W~~	984,897

(In millions of Korean won)	December 31, 2025
	Fair value hierarchy						Total
	Level 1		Level 2		Level 3
Financial assets
Financial assets at fair value through profit or loss:
Hybrid securities	~~W~~	—	~~W~~	—	~~W~~	1,197,105	~~W~~	1,197,105
Loans		—		54,502		—		54,502

	~~W~~	—	~~W~~	54,502	~~W~~	1,197,105	~~W~~	1,251,607

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.1.2.1 Fair value hierarchy of financial assets and liabilities at fair value in the statements of financial position (cont’d)

Valuation techniques and inputs of financial assets and liabilities classified as Level 2 and measured at fair value in the statements of financial position as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30, 2026
	Fair value		Valuation<br>techniques		Inputs
Financial assets
Financial assets at fair value through profit or loss:
Loans	~~W~~	52,390		DCF model		Interest rate,<br><br>Discount<br>rate, etc.
(In millions of Korean won)	December 31, 2025
	Fair value		Valuation<br>techniques		Inputs
Financial assets
Financial assets at fair value through profit or loss:
Loans	~~W~~	54,502		DCF model		Interest rate,<br><br>Discount<br>rate, etc.

5.1.2.2 Fair value hierarchy of financial assets and liabilities whose fair value is disclosed

Fair value hierarchy of financial assets and liabilities whose fair value is disclosed as of June 30, 2026 and December 31, 2025, is as follows:

(In millions of Korean won)	June 30, 2026
	Fair value hierarchy
	Level 1		Level 2		Level 3		Total
Financial assets
Cash and due from financial institutions<br>^1^	~~W~~	—	~~W~~	482,142	~~W~~	—	~~W~~	482,142
Loans measured at amortized cost ^2^		—		—		349,112		349,112
Other financial assets ^3^		—		—		60,086		60,086

	~~W~~	—	~~W~~	482,142	~~W~~	409,198	~~W~~	891,340

Financial liabilities
Debentures	~~W~~	—	~~W~~	5,386,076	~~W~~	—	~~W~~	5,386,076
Other financial liabilities ^3^		—		—		50,252		50,252

	~~W~~	—	~~W~~	5,386,076	~~W~~	50,252	~~W~~	5,436,328

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.1.2.2 Fair value hierarchy of financial assets and liabilities whose fair value is disclosed (cont’d)

(In millions of Korean won)		December 31, 2025
		Fair value hierarchy
		Level 1		Level 2		Level 3		Total
Financial assets
Cash and due from financial institutions<br>^1^		~~W~~	—	~~W~~	974,585	~~W~~	—	~~W~~	974,585
Loans measured at amortized cost ^2^			—		—		349,112		349,112
Other financial assets ^3^			—		—		46,688		46,688

		~~W~~	—	~~W~~	974,585	~~W~~	395,800	~~W~~	1,370,385

Financial liabilities
Debentures		~~W~~	—	~~W~~	4,460,116	~~W~~	—	~~W~~	4,460,116
Other financial liabilities ^3^			—		—		18,220		18,220

		~~W~~	—	~~W~~	4,460,116	~~W~~	18,220	~~W~~	4,478,336

^1^	Because due from financial institutions classified as Level 2 are deposits on demand and with remaining<br>maturities of less than one year, carrying amounts are reasonable approximations of fair values.
:---	:---
^2^	Because loans measured at amortized cost classified as Level 3 are loans with residual maturity of less<br>than one year, carrying amounts are reasonable approximations of fair values.
:---	:---
^3^	For other financial assets and other financial liabilities classified as Level 3, carrying amounts are<br>reasonable approximations of fair values.
:---	:---

Financial assets and liabilities whose carrying amount is a reasonable approximation of fair value, valuation techniques and inputs are not disclosed.

Valuation techniques and inputs of financial assets and liabilities classified as Level 2, and whose fair value is disclosed as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	Fair value
	June 30,<br>2026		December 31,<br>2025
Financial liabilities
Debentures	~~W~~	5,386,076	~~W~~	4,460,116	DCF model	Discount rate

5.2 Disclosure of Fair Value Hierarchy Level 3

5.2.1 Valuation policy and process of Level 3 fair value

The Company uses external, independent and qualified valuation service to determine the fair value of financial instruments at the end of every reporting period.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.2.2 Changes in fair value (Level 3) measured using valuation technique based on unobservable inputs in the market

5.2.2.1 Changes in financial instruments classified as Level 3 of the fair value hierarchy for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026			2025
	Financial assets at fair<br>value<br>through profit or loss			Financial assets at fair<br>value<br>through profit or loss
Beginning	~~W~~	1,197,105		~~W~~	1,189,519
Total gains or losses:
- Profit or loss		(14,326	)		11,852
- Other comprehensive income		—			—
Purchases		—			—
Sales		(250,272	)		—
Issues		—			—
Settlements		—			—
Transfers into Level 3		—			—
Transfers out of Level 3		—			—

Ending	~~W~~	932,507		~~W~~	1,201,371

5.2.2.2 In relation to changes in financial instruments classified as Level 3 of the fair value hierarchy, total gains or losses recognized in profit or loss for the period, and total gains or losses recognized in profit or loss from financial instruments held at the end of the reporting period for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026							2025
	Gains on<br>financial<br>instruments<br>at fair value<br>through<br>profit or loss			Other<br>operating<br>income		Net<br>interest<br>income		Gains on<br>financial<br>instruments<br>at fair value<br>through<br>profit or loss		Other<br>operating<br>income		Net<br>interest<br>income
Total gains included in profit or loss for the period	~~W~~	(14,326	)	~~W~~	—	~~W~~	—	~~W~~	11,852	~~W~~	—	~~W~~	—
Total gains for the period included in profit or loss for financial instruments held at the end of<br>the reporting period	~~W~~	(10,725	)	~~W~~	—	~~W~~	—	~~W~~	11,852	~~W~~	—	~~W~~	—

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.2.3 Sensitivity analysis of changes in unobservable inputs

5.2.3.1 Information about fair value measurements using unobservable inputs as of June 30, 2026 and December 31, 2025, is as follows:

(In millions of Korean won)	June 30, 2026
	Fair value	Valuation<br><br>techniques	Inputs	Unobservable<br>inputs	Range of<br>unobservable<br>inputs (%)		Relationship<br>of<br>unobservable<br>inputs to<br>fair<br>value
Financial assets
Financial assets at fair value through profit or loss:
Hybrid securities	~~W~~932,507	Hull and White Model, Monte Carlo Simulation	Matrix YTM, Additional spread by grade, Risk spread of company, Valid credit rating,<br>Disclosed information of securities, Estimated volatility of Interest rate	Discount rate		3.42 ~ 7.48	The lower the discount rate, the higher the fair value
				Volatility of interest rate		0.65 ~ 0.87	The higher the volatility, the higher the fair value fluctuation
(In millions of Korean won)	December 31, 2025
	Fair value	Valuation<br><br>techniques	Inputs	Unobservable<br>inputs	Range of<br>unobservable<br>inputs (%)		Relationship<br>of<br>unobservable<br>inputs to<br>fair<br>value
Financial assets
Financial assets at fair value through profit or loss:
Hybrid securities	~~W~~1,197,105	Hull and White Model, Monte Carlo Simulation	Matrix YTM, Additional spread by grade, Risk spread of company, Valid credit rating,<br>Disclosed information of securities, Estimated volatility of Interest rate	Discount rate		3.08 ~ 8.82	The lower the discount rate, the higher the fair value
				Volatility of interest rate		0.50 ~ 0.69	The higher the volatility, the higher the fair value fluctuation

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

5.2.3.2 Sensitivity analysis of changes in unobservable inputs

Results of the sensitivity analysis of changes in unobservable inputs as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30, 2026
		Profit or loss								Other comprehensive<br>income or loss
		Favorable<br>changes				Unfavorable<br>changes				Favorable<br>changes				Unfavorable<br>changes
Financial assets
Financial assets at fair value through profit or loss:
Hybrid securities *		~~W~~	5,894			~~W~~	(5,719	)		~~W~~	—			~~W~~	—
*	The changes in fair value are calculated by increasing or decreasing discount rates (3.42% ~ 7.48%) by 1%p,<br>which are principal unobservable input parameters.
:---	:---
(In millions of Korean won)		December 31, 2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---	---	---	---	---
		Profit or loss								Other comprehensive<br>income or loss
		Favorable<br>changes				Unfavorable<br>changes				Favorable<br>changes				Unfavorable<br>changes
Financial assets
Financial assets at fair value through profit or loss:
Hybrid securities *		~~W~~	7,808			~~W~~	(7,626	)		~~W~~	—			~~W~~	—
*	The changes in fair value are calculated by increasing or decreasing discount rates (3.08% ~ 8.82%) by 1%p,<br>which are principal unobservable input parameters.
:---	:---

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

6. Due from Financial Institutions

6.1 Details of due from financial institutions as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		Financial Institution	Interest rate (%)<br><br>as of<br><br>June 30,<br><br>2026	June 30,<br>2026		December 31,<br>2025
Due from financial institutions	Due from banks	Kookmin Bank	0.00 ~ 1.20	~~W~~	386,240	~~W~~	970,591
		Shinhan Bank	—		—		3,994
		KB Securities Co., Ltd.	—		95,902		—

				~~W~~	482,142	~~W~~	974,585

6.2 Details of restricted due from financial institution as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		Financial Institution		June 30,<br>2026				December 31,<br>2025				Reasons of restriction
Due from financial institutions		Kookmin<br>Bank		~~W~~	3			~~W~~	3			Pledged as collateral for the overdraft account

7. Financial Assets at Fair Value through Profit or Loss

Details of financial assets at fair value through profit or loss as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026		December 31,<br>2025
Financial assets at fair value through profit or loss:
Hybrid securities	~~W~~	932,507	~~W~~	1,197,105
Loans		52,390		54,502

	~~W~~	984,897	~~W~~	1,251,607

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

8. Loans Measured at Amortized Cost

Details of loans measured at amortized cost as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Loans measured at amortized cost	~~W~~	350,000		~~W~~	350,000
Less: Allowances for loan losses		(888	)		(888	)

	~~W~~	349,112		~~W~~	349,112

9. Investments in Subsidiaries

9.1 Details of subsidiaries as of June 30, 2026, are as follows:

Name of subsidiaries	Industry	Location
Kookmin Bank	Banking and foreign exchange transaction	Korea
KB Securities Co., Ltd.	Financial investment	Korea
KB Insurance Co., Ltd.	Non-life insurance	Korea
KB Kookmin Card Co., Ltd.	Credit card and installment financial business	Korea
KB Life Insurance Co., Ltd.	Life insurance	Korea
KB Asset Management Co., Ltd.	Investment advisory and investment trust	Korea
KB Capital Co., Ltd.	Financial leasing	Korea
KB Real Estate Trust Co., Ltd.	Real estate trust management	Korea
KB Savings Bank Co., Ltd.	Savings banking	Korea
KB Investment Co., Ltd.	Capital investment	Korea
KB Data System Co., Ltd.	System software, development and supply	Korea

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

9.2 Details of investments in subsidiaries as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won, except for shares)		As of June 30, 2026				Carrying amount
Name of subsidiaries		Number of issued<br>shares		Ownership<br>(%)		June 30,<br>2026		December 31,<br>2025
Kookmin Bank			404,379,116		100.00	~~W~~	14,821,721	~~W~~	14,821,721
KB Securities Co., Ltd. ^1^			331,953,757		100.00		4,042,391		3,342,391
KB Insurance Co., Ltd.			66,500,000		100.00		2,375,430		2,375,430
KB Kookmin Card Co., Ltd.			92,000,000		100.00		1,953,175		1,953,175
KB Life Insurance Co., Ltd.			16,201,518		100.00		2,795,367		2,795,367
KB Asset Management Co., Ltd.			7,667,550		100.00		96,312		96,312
KB Capital Co., Ltd.			32,175,147		100.00		873,811		873,811
KB Real Estate Trust Co., Ltd. ^2^			33,504,806		100.00		571,553		271,553
KB Savings Bank Co., Ltd.			8,001,912		100.00		176,813		176,813
KB Investment Co., Ltd.			22,525,328		100.00		154,910		154,910
KB Data System Co., Ltd.			800,000		100.00		6,334		6,334

						~~W~~	27,867,817	~~W~~	26,867,817

^1^	Subsequent to the reporting period in February 2026, KB Securities Co., Ltd. resolved to issue 33,333,333<br>common shares at an issue price of ~~W~~21,000 per share (par value ~~W~~5,000) through a rights offering to existing shareholders.
:---	:---
^2^	Subsequent to the reporting period in June 2026, KB Real Estate Trust Co., Ltd. resolved to issue 11,888,721<br>common shares at an issue price of ~~W~~25,234 per share (par value ~~W~~5,000) through a rights offering to existing shareholders.
:---	:---

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

10. Deferred Income Tax Assets and Liabilities

Details of deferred income tax assets and liabilities as June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30, 2026
		Assets				Liabilities				Net amount
Share-based payments		~~W~~	9,033			~~W~~	—			~~W~~	9,033
Membership rights			505				—				505
Defined benefit obligation			2,843				—				2,843
Plan assets			—				(2,843	)			(2,843	)
Short-term employee benefits			640				—				640
Losses on valuation of financial assets at fair value through profit or loss			—				(689	)			(689	)
Others			5,668				(874	)			4,794

			18,689				(4,406	)			14,283

Offsetting of deferred tax assets and liabilities			(4,406	)			4,406				—

		~~W~~	14,283			~~W~~	—			~~W~~	14,283

(In millions of Korean won)		December 31, 2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---
		Assets				Liabilities				Net amount
Share-based payments		~~W~~	9,276			~~W~~	—			~~W~~	9,276
Membership rights			240				—				240
Defined benefit obligation			3,126				—				3,126
Plan assets			—				(3,126	)			(3,126	)
Short-term employee benefits			430				—				430
Gains or losses on valuation of financial assets at fair value through profit or loss			—				(4,704	)			(4,704	)
Others			4,851				(739	)			4,112

			17,923				(8,569	)			9,354

Offsetting of deferred tax assets and liabilities			(8,569	)			8,569				—

		~~W~~	9,354			~~W~~	—			~~W~~	9,354

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

11. Debentures

11.1 Details of debentures as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)				June 30,<br>2026			December 31,<br>2025
Unguaranteed debentures No.15-3	May. 12, 2016	May. 12, 2026	2.01	~~W~~	—		~~W~~	200,000
Unguaranteed debentures No.18-3	Jul. 25, 2016	Jul. 25, 2026	1.69		80,000			80,000
Unguaranteed debentures No.19-3	Aug. 25, 2016	Aug. 25, 2026	1.69		120,000			120,000
Unguaranteed debentures No.25-4	May. 24, 2017	May. 24, 2027	2.62		80,000			80,000
Unguaranteed debentures No.28-3	Aug. 30, 2017	Aug. 30, 2027	2.60		60,000			60,000
Unguaranteed debentures No.31-3	Feb. 28, 2018	Feb. 28, 2028	3.02		60,000			60,000
Unguaranteed debentures No.32-3	Apr. 6, 2018	Apr. 6, 2028	2.86		20,000			20,000
Unguaranteed debentures No.33-2	Jun. 12, 2018	Jun. 12, 2028	2.92		30,000			30,000
Unguaranteed debentures No.34-4	Jul. 25, 2018	Jul. 25, 2028	2.76		20,000			20,000
Unguaranteed debentures No.36-3	Feb. 22, 2019	Feb. 22, 2029	2.22		60,000			60,000
Unguaranteed debentures No.37-2	Mar. 15, 2019	Mar. 15, 2029	2.16		70,000			70,000
Unguaranteed debentures No.38-1	Jun. 19, 2019	Jun. 19, 2026	1.73		—			80,000
Unguaranteed debentures No.38-2	Jun. 19, 2019	Jun. 19, 2029	1.77		120,000			120,000
Unguaranteed debentures No.39-2	Oct. 15, 2019	Oct. 15, 2029	1.67		40,000			40,000
Unguaranteed debentures No.40-2	Dec. 4, 2019	Dec. 4, 2029	1.87		30,000			30,000
Unguaranteed debentures No.41-3	Jan. 16, 2020	Jan. 16, 2030	1.88		40,000			40,000
Subordinated debentures No.1-1	Feb. 18, 2020	Feb. 18, 2030	2.21		370,000			370,000
Subordinated debentures No.1-2	Feb. 18, 2020	Feb. 18, 2035	2.26		30,000			30,000
Unguaranteed debentures No.42-2	May. 13, 2020	May. 13, 2030	1.78		70,000			70,000
Unguaranteed debentures No.43-3	Jun. 16, 2020	Jun. 16, 2030	1.63		50,000			50,000
Unguaranteed debentures No.44-4	Aug. 11, 2020	Aug. 11, 2027	1.39		20,000			20,000
Unguaranteed debentures No.46-2	Jan. 14, 2021	Jan. 14, 2026	1.43		—			30,000
Unguaranteed debentures No.46-3	Jan. 14, 2021	Jan. 14, 2028	1.62		10,000			10,000
Unguaranteed debentures No.46-4	Jan. 14, 2021	Jan. 14, 2031	1.84		100,000			100,000
Unguaranteed debentures No.48-3	Jun. 16, 2022	Jun. 16, 2027	4.34		80,000			80,000
Unguaranteed debentures No.48-4	Jun. 16, 2022	Jun. 16, 2032	4.40		95,000			95,000
Unguaranteed debentures No.49-2	Oct. 31, 2024	Oct. 31, 2026	3.30		220,000			220,000
Unguaranteed debentures No.49-3	Oct. 31, 2024	Oct. 31, 2027	3.28		100,000			100,000
Unguaranteed debentures No.50-1	Jan. 24, 2025	Jan. 22, 2027	2.92		200,000			200,000
Unguaranteed debentures No.50-2	Jan. 24, 2025	Jan. 24, 2028	2.92		100,000			100,000
Unguaranteed debentures No.51-1	Feb. 25, 2025	Feb. 25, 2027	2.86		50,000			50,000
Unguaranteed debentures No.51-2	Feb. 25, 2025	Feb. 25, 2028	2.92		250,000			250,000
Unguaranteed debentures No.52-1	Mar. 24, 2025	Mar. 24, 2027	2.85		60,000			60,000
Unguaranteed debentures No.52-2	Mar. 24, 2025	Mar. 24, 2028	2.87		170,000			170,000
Unguaranteed debentures No.53-1	Apr. 28, 2025	Apr. 28, 2027	2.66		130,000			130,000
Unguaranteed debentures No.53-2	Apr. 28, 2025	Apr. 28, 2028	2.67		220,000			220,000
Unguaranteed debentures No.54-1	May. 26, 2025	May. 26, 2027	2.58		100,000			100,000
Unguaranteed debentures No.54-2	May. 26, 2025	May. 26, 2028	2.63		200,000			200,000
Unguaranteed debentures No.55-1	Jul. 21, 2025	Jul. 21, 2027	2.61		100,000			100,000
Unguaranteed debentures No.55-2	Jul. 21, 2025	Jul. 21, 2028	2.68		130,000			130,000
Unguaranteed debentures No.56	Aug. 11, 2025	Aug. 11, 2028	2.61		300,000			300,000
Unguaranteed debentures No.57	Oct. 17, 2025	Oct. 17, 2028	2.70		230,000			230,000
Unguaranteed debentures No.58-1	Jan. 16, 2026	Jan. 16, 2029	3.22		150,000			—
Unguaranteed debentures No.58-2	Jan. 16, 2026	Jan. 16, 2031	3.45		50,000			—
Unguaranteed debentures No.59	Mar. 26, 2026	Mar. 26, 2029	3.88		200,000			—
Unguaranteed debentures No.60-1	Apr. 23, 2026	Apr. 23, 2028	3.61		140,000			—
Unguaranteed debentures No.60-2	Apr. 23, 2026	Apr. 23, 2029	3.73		160,000			—
Unguaranteed debentures No.61-1	May. 26, 2026	May. 26, 2029	4.09		200,000			—
Unguaranteed debentures No.61-2	May. 26, 2026	May. 26, 2031	4.26		100,000			—
Unguaranteed debentures No.62	Jun. 19, 2026	Apr. 3, 2029	4.06		300,000			—

					5,515,000			4,525,000
		Less: Bond Discounts			(5,521	)		(4,703	)

				~~W~~	5,509,479		~~W~~	4,520,297

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

11.2 Maturities of debentures as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30, 2026
		Up to<br>3 months				3~6<br>months				6~12<br>months				1~3<br>years				Over<br>3 years				Total
Debentures		~~W~~	200,000			~~W~~	220,000			~~W~~	700,000			~~W~~	3,420,000			~~W~~	975,000			~~W~~	5,515,000
(In millions of Korean won)		December 31, 2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---	---
		Up to<br>3 months				3~6<br>months				6~12<br>months				1~3<br>years				Over<br>3 years				Total
Debentures		~~W~~	30,000			~~W~~	280,000			~~W~~	420,000			~~W~~	2,720,000			~~W~~	1,075,000			~~W~~	4,525,000

11.3 Changes in debentures based on par value for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		2026
		Beginning				Issue				Repayment				Ending
Debentures		~~W~~	4,525,000			~~W~~	1,300,000			~~W~~	(310,000	)		~~W~~	5,515,000
(In millions of Korean won)		2025
---	---	:---:	---	---	---	---	---	---	---	---	---	---	---	---	---	---
		Beginning				Issue				Repayment				Ending
Debentures		~~W~~	2,965,000			~~W~~	1,480,000			~~W~~	(580,000	)		~~W~~	3,865,000

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

12. Net Defined Benefit Liabilities (Assets)

12.1 Defined Benefit Plan

The Company operates defined benefit plans which have the following characteristics:

-	The Company has the obligation to pay the agreed benefits to all its current and former employees.
-	The Company assumes actuarial risk (that benefits will cost more than expected) and investment risk.
:---	:---

The net defined benefit liabilities recognized in the statements of financial position are calculated in accordance with actuarial valuation method using assumptions based on market data and historical data such as discount rate, future salary increase rate, and mortality. Actuarial assumptions may differ from actual results, due to changes in the market conditions, economic trends, and mortality trends.

12.2 Details of the net defined benefit liabilities as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Present value of defined benefit obligation	~~W~~	21,781		~~W~~	23,184
Fair value of plan assets		(24,484	)		(26,242	)

Net defined benefit liabilities (assets)	~~W~~	(2,703	)	~~W~~	(3,058	)

12.3 Details of post-employment benefits recognized in profit or loss for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)		2026			2025
Current service cost		~~W~~	1,006		~~W~~	949
Net interest expense(income) on net defined benefit liabilities			(61	)		(52	)

Post-employment benefits		~~W~~	945		~~W~~	897

(*)	The gains or losses related to the defined benefit pension plan are fully included in general administrative<br>expenses.
:---	:---

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

13. Equity

13.1 Share Capital

13.1.1 Details of share capital as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
Type of share			Ordinary share		Ordinary share
Number of authorized shares			1,000,000,000		1,000,000,000
Par value per share (in Korean won)		~~W~~	5,000	~~W~~	5,000
Number of issued shares			354,687,734		381,462,103
Share capital *		~~W~~	2,090,558	~~W~~	2,090,558
*	Due to the retirement of shares deducted through retained earnings, it is different from the total par value of<br>the shares issued.
:---	:---

13.1.2 Changes in shares for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In number of shares)
Beginning	358,587,722		373,600,719
Increase	—		—
Decrease	(5,199,988	)	(9,448,744	)

Ending	353,387,734		364,151,975

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

13.2 Hybrid Securities

Details of hybrid securities classified as equity as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)

Hybrid securities		Issuance date	Maturity		June 30,<br>2026		December 31,<br>2025
Series 1-2		May. 2, 2019	Perpetual bond	3.44	~~W~~	49,881	~~W~~	49,881
Series 2-2		May. 8, 2020	Perpetual bond	3.43		74,812		74,812
Series 3-2		Jul. 14, 2020	Perpetual bond	3.38		29,922		29,922
Series 4-2		Oct. 20, 2020	Perpetual bond	3.28		64,843		64,843
Series 5-1*		Feb. 19, 2021	Perpetual bond	2.67		—		419,056
Series 5-2		Feb. 19, 2021	Perpetual bond	2.87		59,862		59,862
Series 5-3		Feb. 19, 2021	Perpetual bond	3.28		119,727		119,727
Series 6-1*		May. 28, 2021	Perpetual bond	3.20		—		165,563
Series 6-2		May. 28, 2021	Perpetual bond	3.60		109,708		109,708
Series 7-1		Oct. 8, 2021	Perpetual bond	3.57		208,453		208,453
Series 7-2		Oct. 8, 2021	Perpetual bond	3.80		59,834		59,834
Series 8-1		Feb. 16, 2022	Perpetual bond	4.00		442,955		442,955
Series 8-2		Feb. 16, 2022	Perpetual bond	4.30		155,626		155,626
Series 9-1		May. 12, 2022	Perpetual bond	4.68		478,814		478,814
Series 9-2		May. 12, 2022	Perpetual bond	4.97		19,906		19,906
Series 10-1		Aug. 26, 2022	Perpetual bond	4.90		407,936		407,936
Series 10-2		Aug. 26, 2022	Perpetual bond	5.15		70,819		70,819
Series 10-3		Aug. 26, 2022	Perpetual bond	5.30		19,944		19,944
Series 11-1		Feb. 3, 2023	Perpetual bond	4.90		548,666		548,666
Series 11-2		Feb. 3, 2023	Perpetual bond	5.03		49,871		49,871
Series 12		Feb. 28, 2024	Perpetual bond	4.39		399,045		399,045
Series 13		Jan. 22, 2025	Perpetual bond	4.00		404,013		404,013
Series 14		May. 14, 2026	Perpetual bond	4.50		431,952		—

					~~W~~	4,206,589	~~W~~	4,359,256

*	The Company early redeemed in full its 5-1 AT1 capital securities<br>amounting to ~~W~~420,000 million on February 19, 2026 and its 6-1 AT1 capital securities amounting to ~~W~~166,000 million on May 28, 2026, upon the exercise of the<br>call option.
:---	:---

The above hybrid securities are early redeemable by the Company after 5 or 7 or 10 years from the issuance date.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

13.3 Capital Surplus

Details of capital surplus as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
Paid-in capital in excess of par value *		~~W~~	5,690,275	~~W~~	13,190,275
Other capital surplus			1,466,230		1,470,695
Gains on sales of treasury shares			90,621		90,621

		~~W~~	7,247,126	~~W~~	14,751,591

*	During the six-month period ended June 30, 2026,<br>~~W~~ 7,500,000 million was transferred from capital surplus to retained earnings.
:---	:---

13.4 Accumulated Other Comprehensive Income (Loss)

Details of accumulated other comprehensive income (loss) as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026				December 31,<br>2025
Remeasurements of net defined benefit liabilities		~~W~~	(8,196	)		~~W~~	(8,601	)

13.5 Retained Earnings

13.5.1 Details of retained earnings as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30,<br>2026		December 31,<br>2025
Legal reserves*		~~W~~	1,802,632	~~W~~	1,436,870
Voluntary reserves			982,000		982,000
Regulatory reserve for credit losses			7,843		5,411
Unappropriated retained earnings			8,025,368		3,219,689

		~~W~~	10,817,843	~~W~~	5,643,970

*	With respect to the allocation of net profit earned in a fiscal term, the Company must set aside in its legal<br>reserve an amount equal to at least 10% of its profit after tax as reported in the financial statements, each time it pays dividends on its net profits earned until its legal reserve reaches the aggregate amount of its share capital in accordance<br>with Article 53 of the Financial Holding Company Act. The reserve is not available for the payment of cash dividends, but may be transferred to share capital, or used to reduce accumulated deficit.
:---	:---

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

13.5.2 Regulatory reserve for credit losses

Measurement and disclosure of regulatory reserve for credit losses are required in accordance with Articles 26 through 28 of the Regulations on Supervision of Financial Holding Companies.

13.5.2.1 Details of regulatory reserve for credit losses as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Amounts before appropriation	~~W~~	7,843		~~W~~	5,411
Amounts estimated to be appropriated (reversed)		(2,512	)		2,432

	~~W~~	5,331		~~W~~	7,843

13.5.2.2 Regulatory reserve for credit losses estimated to be appropriated (reversed) and adjusted profit after provision (reversal) of regulatory reserve for credit losses for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won, except for per share amounts)		2026						2025
		Three<br>months			Six<br>months			Three<br>months			Six<br>months
Regulatory reserve for credit losses estimated to be appropriated (reversed)		~~W~~	(2,153	)	~~W~~	(2,512	)	~~W~~	(2,665	)	~~W~~	250
Adjusted profit (loss) after provision (reversal) of regulatory reserve for credit losses ^1,2^			12,341			1,185,060			(77,313	)		2,196,731
Adjusted basic earnings (loss) per share after provision (reversal) of regulatory reserve for<br>credit losses ^1^			35			3,329			(211	)		5,954
Adjusted diluted earnings (loss) per share after provision (reversal) of regulatory reserve for<br>credit losses ^1^			35			3,303			(209	)		5,900
^1^	Adjusted profit (loss) after provision (reversal) of regulatory reserve for credit losses is not based on<br>Korean IFRS. It is calculated by reflecting provision (reversal) of regulatory reserve for credit losses before tax to the net profit for the period.
:---	:---
^2^	After deducting dividends on hybrid securities
:---	:---

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

13.6 Treasury Shares

Changes in treasury shares for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won except for number of shares)

	2026
	Beginning		Acquisition		Retirement			Ending
Number of treasury shares		22,874,381		5,199,988		(26,774,369	)		1,300,000

Carrying amount	~~W~~	1,901,538	~~W~~	804,294	~~W~~	(2,529,818	)	~~W~~	176,014

	2025
	Beginning		Acquisition		Retirement			Ending
Number of treasury shares		19,927,704		9,448,744		(12,066,320	)		17,310,128

Carrying amount	~~W~~	1,236,060	~~W~~	820,000	~~W~~	(814,522	)	~~W~~	1,241,538

On January 15, 2026, the Company retired 3,047,395 treasury shares (~~W~~ 300,000 million) acquired pursuant to the Board resolution dated April 24, 2025, and 5,564,253 treasury shares (~~W~~ 660,000 million) acquired pursuant to the Board resolution dated July 24, 2025.

In addition, on May 15, 2026, the Company retired 3,899,988 treasury shares (~~W~~ 600,000 million) acquired pursuant to the Board resolution dated February 5, 2026, and 14,262,733 previously acquired treasury shares (~~W~~ 1,402,230 million) pursuant to the Board resolution dated April 23, 2026.

14. Dividends

The annual dividends to the shareholders of the Company for the year ended December 31, 2025 amounting to ~~W~~ 573,768 million (~~W~~ 1,605 per share) were declared at the annual general shareholders’ meeting on March 26, 2026 and paid on April 15, 2026.

In addition, the Board of Directors declared a quarterly dividend of ~~W~~ 405,088 million (~~W~~ 1,143 per share) on April 23, 2026, with a record date of May 8, 2026, which was paid on May 21, 2026.

Meanwhile, the annual dividends to the shareholders of the Company for the year ended December 31, 2024 and quarterly dividends paid in 2025 were ~~W~~ 298,285 million (~~W~~ 804 per share) and ~~W~~ 1,004,006 million, respectively.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

15. Net Interest Expense

Details of interest income, interest expense, and net interest expense for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026						2025
	Three months			Six months			Three months			Six months
Interest income
Due from financial institutions	~~W~~	1,330		~~W~~	4,456		~~W~~	6,727		~~W~~	8,638
Loans measured at amortized cost		2,746			5,465			2,544			4,977
Loans measured at fair value through profit or loss		1,018			2,014			1,016			1,858
Others		304			595			262			603

		5,398			12,530			10,549			16,076

Interest expense
Borrowings		41			2,487			4,273			11,779
Debentures		36,118			67,071			25,932			47,108
Others		8			15			9			18

		36,167			69,573			30,214			58,905

Net interest expense	~~W~~	(30,769	)	~~W~~	(57,043	)	~~W~~	(19,665	)	~~W~~	(42,829	)

16. Net Fee and Commission Expense

Details of fee and commission income, fee and commission expense, and net fee and commission expense for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026						2025
	Three months			Six months			Three months			Six months
Fee and commission income
Fees earned in Korean won	~~W~~	513		~~W~~	984		~~W~~	518		~~W~~	990

Fee and commission expense
Fees paid in Korean won		3,917			5,531			2,029			4,087
Fees paid in foreign currency		253			260			42			246

		4,170			5,791			2,071			4,333

Net fee and commission expense	~~W~~	(3,657	)	~~W~~	(4,807	)	~~W~~	(1,553	)	~~W~~	(3,343	)

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

17. Net Gains or Losses on Financial Instruments at Fair value through Profit or Loss

Net gains or losses on financial instruments at fair value through profit or loss include dividend income, gains or losses arising from changes in fair value, and gains or losses arising from sales and redemptions. Details of net gains or losses on financial assets at fair value through profit or loss for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

	2026				2025
(In millions of Korean won)	Three months		Six months		Three months		Six months
Gains on financial instruments at fair value through profit or loss
Dividend income from financial assets at fair value through profit or loss	~~W~~	16,902	~~W~~	34,598	~~W~~	16,608	~~W~~	33,024
Gains on valuation of financial assets at fair value through profit or loss		27		146		4,479		13,012
Gains on disposal of financial assets at fair value through profit or loss		—		—		531		1,033
Other income from financial assets at fair value through profit or loss		—		—		1,001		1,001

		16,929		34,744		22,619		48,070

Losses on financial instruments at fair value through profit or loss
Losses on valuation of financial assets at fair value through profit or loss		3,872		13,921		—		—
Losses on disposal of financial assets at fair value through profit or loss		—		—		158		158
Losses on redemption of financial assets at fair value through profit or loss		3,309		3,601		—		—

		7,181		17,522		158		158

Net gains on financial instruments at fair value through profit or loss	~~W~~	9,748	~~W~~	17,222	~~W~~	22,461	~~W~~	47,912

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

18. Net Other Operating Income and Expenses

Details of other operating income and expenses for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

	2026				2025
(In millions of Korean won)	Three months		Six months		Three months		Six months
Other operating income
Dividend income from subsidiaries	~~W~~	100,000	~~W~~	1,365,231	~~W~~	—	~~W~~	2,355,586

		100,000		1,365,231		—		2,355,586

Net other operating income	~~W~~	100,000	~~W~~	1,365,231	~~W~~	—	~~W~~	2,355,586

19. General and Administrative Expenses

19.1 Details of general and administrative expenses for the three-month and six-month periods ended June 30, 2026 and 2025, are as follows:

	2026				2025
(In millions of Korean won)	Three months		Six months		Three months		Six months
Expenses related to employee
Employee benefits - salaries	~~W~~	7,861	~~W~~	17,305	~~W~~	7,218	~~W~~	16,110
Employee benefits - others		1,273		2,374		1,111		2,114
Post-employment benefits - defined benefit plans		473		945		449		897
Post-employment benefits - defined contribution plans		—		2		—		—
Share-based payments		6,607		11,774		9,893		10,651

		16,214		32,400		18,671		29,772

Depreciation and amortization		1,264		2,486		1,426		2,799

Other general and administrative expenses
Travel		189		277		359		697
Communications		326		485		346		462
Tax and dues		142		426		108		420
Publication		62		122		79		137
Rental expense		627		1,211		547		1,112
Vehicle		37		60		31		51
Service fees		6,517		14,163		4,272		9,730
Advertising		133		560		23		404
Training		266		475		182		448
Others		2,475		4,818		2,121		4,301

		10,774		22,597		8,068		17,762

	~~W~~	28,252	~~W~~	57,483	~~W~~	28,165	~~W~~	50,333

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

19.2 Share-based Payments

Share-based payments plans for executives and employees of the Company and its subsidiaries as of June 30, 2026, are as follows:

19.2.1 Stock grants linked to long-term performance

(In number of shares)	Grant date		Vesting conditions ^2^
KB Financial Group Inc.
Series 38	Nov. 21, 2023	55,547	Services fulfillment, market performance ^3^ 35%, and non-market performance<br>^5^ 65%
Series 41	Apr. 6, 2024	6,450	Services fulfillment, market performance ^3^ 30%, and non-market performance<br>^4^ 70%
Series 43	Jan. 1, 2025	28,130	Services fulfillment, market performance ^3^ 30%, and non-market performance<br>^4^ 70%
Series 44	Apr. 7, 2025	5,666	Services fulfillment, market performance ^3^ 30%, and non-market performance<br>^4^ 70%
Series 45	Jan. 1, 2026	32,738	Services fulfillment, market performance ^3^ 30%, and non-market performance<br>^4^ 70%
Series 46	Apr. , 2026	3,083	Services fulfillment, market performance ^3^ 30%, and non-market performance<br>^4^ 70%
Deferred grant in 2022		241	Satisfied
Deferred grant in 2023		31,152	Satisfied
Deferred grant in 2024		17,031	Satisfied
Deferred grant in 2025		25,653	Satisfied

		205,691

Kookmin Bank
Series 96	Jan. 1, 2024	6,908	Services fulfillment, market performance ^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 98	Apr. 22, 2024	2,959	Services fulfillment, market performance ^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 99	Jul. 5, 2024	4,926	Services fulfillment, market performance ^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 101	Aug. 24, 2024	4,164	Services fulfillment, market performance ^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 102	Jan. 1, 2025	130,875	Services fulfillment, market performance ^3^ 0~30%, and non-market performance ^4^ 70~100%<br><br>Services fulfillment,<br>market performance ^3^ 30%, and non-market performance ^6^ 70%
Series 103	Jan. 9, 2025	4,988	Services fulfillment, market performance ^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 104	Jan. 1, 2026	112,193	Services fulfillment, market performance ^3^ 0~30%, and non-market performance ^4^ 70~100%
Series 105	Apr. 22, 2026	2,068	Services fulfillment, market performance ^3^ 0~30%, and non-market performance ^4^ 70~100%
Deferred grant in 2022		734	Satisfied
Deferred grant in 2023		47,112	Satisfied
Deferred grant in 2024		79,896	Satisfied
Deferred grant in 2025		109,788	Satisfied

		506,611

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

19.2.1 Stock grants linked to long-term performance (cont’d)

(In number of shares)			Vesting conditions ^2^
Other subsidiaries
Stock granted in 2014		644
Stock granted in 2015		544
Stock granted in 2017		2,021
Stock granted in 2018		4,280
Stock granted in 2019		9,816
Stock granted in 2020		11,825
Stock granted in 2021		10,933	Services fulfillment,
Stock granted in 2022		25,845	market performance ^3^ 0~50%, and
Stock granted in 2023		65,981	non-market performance ^4^ 50~100%
Stock granted in 2024		142,636
Stock granted in 2025		374,518
Stock granted in 2026		154,751

		803,794

		1,516,096

^1^	Granted shares represent the total number of shares initially granted to executives and employees who have<br>residual shares as of June 30, 2026 (Deferred grants are residual shares vested as of June 30, 2026).
:---	:---
^2^	Executives and employees were given the right of choice about the timing of the deferred payment (after the<br>date of retirement), payment ratio, and payment period. Accordingly, a certain percentage of the granted shares is deferred for up to five years after the date of retirement after the deferred grant has been confirmed.
:---	:---
^3^	Relative TSR (Total Shareholder Return): [(Fair value at the end of the contract - Fair value at the beginning<br>of the contract) + (Total amount of dividend per share paid during the contract period)] / Fair value at the beginning of the contract
:---	:---
^4^	Performance results of company and employee
:---	:---
^5^	EPS (Earnings Per Share), Asset Quality, HCROI (Human Capital Return On Investment), and Non-bank segment profit
:---	:---
^6^	EPS, Asset Quality
:---	:---

The stock grant linked to long-term performance is an incentive plan that sets, on grant date, the maximum number of shares that can be awarded. The actual number of shares to be granted is determined in accordance with achievement of pre-set performance targets over the vesting period.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

19.2.2 Stock grants linked to short-term performance

(In number of shares)			Vesting<br><br>conditions
KB Financial Group Inc.
Stock granted in 2016		1,040	Satisfied
Stock granted in 2023		13,997	Satisfied
Stock granted in 2024		16,104	Satisfied
Stock granted in 2025		15,005	Satisfied
Stock granted in 2026		6,526	Proportional to service period
Kookmin Bank
Stock granted in 2022		788	Satisfied
Stock granted in 2023		59,277	Satisfied
Stock granted in 2024		65,467	Satisfied
Stock granted in 2025		71,243	Satisfied
Stock granted in 2026		21,378	Proportional to service period
Other subsidiaries
Stock granted in 2015		645	Satisfied
Stock granted in 2016		3,418	Satisfied
Stock granted in 2017		14,699	Satisfied
Stock granted in 2018		40,304	Satisfied
Stock granted in 2019		25,982	Satisfied
Stock granted in 2020		30,485	Satisfied
Stock granted in 2021		52,476	Satisfied
Stock granted in 2022		68,649	Satisfied
Stock granted in 2023		238,341	Satisfied
Stock granted in 2024		287,189	Satisfied
Stock granted in 2025		270,644	Satisfied
Stock granted in 2026		34,008	Proportional to service period

		1,337,665

*	Executives and employees were given the right of choice about the timing of the deferred payment (after the<br>date of retirement), payment ratio, and payment period. Accordingly, a certain percentage of the granted shares is deferred for up to five years after the date of retirement after the deferred grant has been confirmed.
:---	:---

Share-based payments arrangement for subsidiaries was transferred to the Company in 2010, and the related compensation cost paid to the executives and employees of subsidiaries is reimbursed by subsidiaries. The accrued expenses for share-based payments as of June 30, 2026 and December 31, 2025, are ~~W~~ 370,071 million and ~~W~~ 395,692 million, respectively, and the receivables to be reimbursed by subsidiaries for the compensation costs as of June 30, 2026 and December 31, 2025, are ~~W~~ 337,224 million and ~~W~~ 361,960 million, respectively. And compensation costs from share-based payments amounting to ~~W~~ 11,774 million and ~~W~~ 10,651 million were recognized for the six-month periods ended June 30, 2026 and 2025, respectively.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

20. Income Tax Benefit (Expense)

Details of income tax benefit (expense) for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026		2025
Income tax payable	~~W~~	—	~~W~~	—
Changes in deferred tax assets and liabilities		4,929		(2,691	)
Origination and reversal of temporary differences		4,929		(2,691	)
Income tax recognized directly in equity		152		9
Remeasurements of net defined benefit liabilities		152		9
Others		569		(3,899	)

Income tax benefit (expense)	~~W~~	5,650	~~W~~	(6,581	)

21. Earnings per Share

21.1 Basic Earnings per Share

Basic earnings per share is calculated from the earnings attributable to ordinary shares.

21.1.1 Weighted average number of ordinary shares outstanding

(In number of shares)		2026						2025
		Three months			Six months			Three months			Six months
Number of issued ordinary shares			354,687,734			354,687,734			381,462,103			381,462,103
Number of treasury shares*			(1,300,000	)		(1,300,000	)		(17,310,128	)		(17,310,128	)

Weighted average number of ordinary shares outstanding			351,471,804			355,942,147			365,983,134			368,976,986

*	The effective dates for the deduction of treasury shares retired through earnings-funded retirements during the<br>six-month periods ended June 30, 2026 and 2025 were January 15, 2026, May 15, 2026 and May 15, 2025, respectively.
:---	:---

21.1.2 Basic earnings per share

(In Korean won except for number of shares)	2026
	Three months			Six months
(Loss)profit for the period	~~W~~	52,192,192,501		~~W~~	1,269,360,462,070
Deduction: Dividends on hybrid securities		(42,004,575,000	)		(86,812,650,000	)

(Loss)profit attributable to the ordinary equity holders (A)		10,187,617,501			1,182,547,812,070
Weighted average number of ordinary shares outstanding (B)		351,471,804			355,942,147

Basic earnings (loss) per share (A/B)	~~W~~	29		~~W~~	3,322

(In Korean won except for number of shares)	2025
	Three months			Six months
(Loss)profit for the period	~~W~~	(26,293,790,911	)	~~W~~	2,300,298,974,393
Deduction: Dividends on hybrid securities		(53,684,075,000	)		(103,318,150,000	)

(Loss)profit attributable to the ordinary equity holders (A)		(79,977,865,911	)		2,196,980,824,393
Weighted average number of ordinary shares outstanding (B)		365,983,134			368,976,986

Basic (loss)earnings per share (A/B)	~~W~~	(219	)	~~W~~	5,954

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

21.2 Diluted Earnings per Share

Diluted earnings per share is calculated through increasing the weighted average number of ordinary shares outstanding by the weighted average number of additional ordinary shares that would have been outstanding assuming the conversion of all dilutive potential ordinary shares. The Company has dilutive potential ordinary shares such as stock grants.

A calculation is done to determine the number of shares that could have been acquired at fair value (determined as the average market share price for the year) based on the monetary value of stock grants. The number of shares calculated above is compared with the number of shares that would have been issued assuming the settlement of stock grants.

21.2.1 Adjusted profit for diluted earnings per share

(In Korean won)		2026
		Three months				Six months
(Loss) profit attributable to the ordinary equity holders *		~~W~~	10,187,617,501			~~W~~	1,182,547,812,070
Adjustment			—				—

Adjusted (loss) profit for diluted (loss) earnings per share		~~W~~	10,187,617,501			~~W~~	1,182,547,812,070

(In Korean won)		2025
---	---	:---:	---	---	---	---	---	---
		Three months				Six months
(Loss) profit attributable to the ordinary equity holders *		~~W~~	(79,977,865,911	)		~~W~~	2,196,980,824,393
Adjustment:			—				—

Adjusted (loss) profit for diluted (loss) earnings per share		~~W~~	(79,977,865,911	)		~~W~~	2,196,980,824,393

*	The amount is after deducting dividends on hybrid securities.
:---	:---

21.2.2 Weighted average number of ordinary shares outstanding for diluted earnings per share

(In number of shares)	2026				2025
	Three months		Six months		Three months		Six months
Weighted average number of ordinary shares outstanding		351,471,804		355,942,147		365,983,134		368,976,986
Adjustment:
Stock grants		2,564,579		2,862,093		3,055,324		3,367,388

Adjusted weighted average number of ordinary shares outstanding for diluted earnings per<br>share		354,036,383		358,804,240		369,038,458		372,344,374

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

21.2.3 Diluted earnings per share

(In Korean won except for number of shares)		2026
		Three months				Six months
Adjusted profit (loss) for diluted earnings (loss) per share		~~W~~	10,187,617,501			~~W~~	1,182,547,812,070
Adjusted weighted average number of ordinary shares outstanding for diluted earnings per<br>share			354,036,383				358,804,240

Diluted (loss) earnings per share		~~W~~	29			~~W~~	3,296

(In Korean won except for number of shares)		2025
---	---	:---:	---	---	---	---	---	---
		Three months				Six months
Adjusted (loss) profit for diluted (loss) earnings per share		~~W~~	(79,977,865,911	)		~~W~~	2,196,980,824,393
Adjusted weighted average number of ordinary shares outstanding for diluted earnings (loss) per<br>share			369,038,458				372,344,374

Diluted (loss) earnings per share		~~W~~	(217	)		~~W~~	5,900

22. Statement of Cash Flows

22.1 Details of cash and cash equivalents as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)	June 30,<br>2026			December 31,<br>2025
Due from financial institutions	~~W~~	482,142		~~W~~	974,585
Deduction:
Restricted due from financial institutions		(3	)		(3	)

	~~W~~	482,139		~~W~~	974,582

22.2 Cash inflows and outflows from income tax, interest, and dividends for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	Activity	2026		2025
Income tax paid	Operating	~~W~~	5,918	~~W~~	5,670
Interest received	Operating		10,055		11,387
Interest paid	Operating		64,153		42,505
Dividends received	Operating		1,399,984		2,388,814
Dividends paid	Financing		1,065,669		735,941

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

23. Contingent Liabilities and Commitments

23.1 Commitments made with financial institutions as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)		June 30, 2026				December 31, 2025
		Amount of<br>commitments		Amount<br>borrowed		Amount of<br>commitments		Amount<br>borrowed
General loan	Hana Bank	~~W~~	200,000	~~W~~	—	~~W~~	200,000	~~W~~	—
General loan	Shinhan Bank		200,000		—		200,000		—
General loan	NH NongHyup Bank		300,000		—		300,000		—

23.2 Other Matters

As of June 30, 2026, the Company is a defendant in one pending lawsuit involving a simple claim for damages arising from management activities.

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

24. Related Party Transactions

According to Korean IFRS No.1024, the Company includes subsidiaries and key management personnel (including family members) in the scope of related parties. The Company discloses balances (receivables and payables) and other amounts arising from transactions with related parties in the notes to the financial statements. Refer to Note 9 for details of subsidiaries. Key management personnel include the executives of the Company, their close family members, and the companies where the executives and/or their close family members have control or joint control.

24.1 Details of significant profit or loss arising from transactions with related parties for the six-month periods ended June 30, 2026 and 2025 are as follows:

(In millions of Korean won)
Subsidiaries	Profit or loss	2026			2025
Kookmin Bank	Interest income	~~W~~	4,902		~~W~~	8,001
	Fee and commission income		629			590
	Fee and commission expense		32			—
	Net other operating income ^1^		934,116			1,625,587
	General and administrative expenses		11,370			7,206
KB Securities Co., Ltd.	Interest expense		57			37
	Fee and commission income		31			34
	Net gains on financial assets at fair value through profit or loss		3,477			19,424
	Net other operating income ^1^		—			280,000
	General and administrative expenses		816			560
KB Insurance Co., Ltd.	Fee and commission income		37			36
	General and administrative expenses		1,309			1,151
	Net other operating income ^1^		—			299,982
KB Kookmin Card Co., Ltd.	Fee and commission income		12			12
	Net other operating income ^1^		200,008			—
	General and administrative expenses		870			614
	Net non-operating income		3			2
KB Life Insurance Co., Ltd.	Fee and commission income		8			8
	Net other operating income ^1^		100,000			130,000
	General and administrative expenses		277			506
KB Asset Management Co., Ltd.	Net other operating income ^1^		60,000			20,000
	General and administrative expenses		117			103
KB Capital Co., Ltd	Fee and commission income		8			7
	Net gains on financial assets at fair value through profit or loss		13,571			17,254
	Net other operating income ^1^		71,107			—
	General and administrative expenses		119			72
KB Real Estate Trust. Co., Ltd.	Net gains on financial assets at fair value through profit or loss		3,223			8,199
	General and administrative expenses		88			109
KB Savings Bank Co., Ltd.	Interest income		952			1,878
	Fee and commission income		1			1
	Net gains on financial assets at fair value through profit or loss		(3,048	)		1,109

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

KB Investment Co., Ltd.		Interest income		~~W~~	5,465			~~W~~	4,977
		Provision for credit losses		6				6
KB Data Systems Co., Ltd.		General and administrative expenses			2,160				1,643

^1^ Net other operating income includes dividend income from subsidiaries.

24.2 Details of significant outstanding balances of receivables and payables arising from transactions with related parties as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)
Subsidiaries	Assets or liabilities	June 30,<br>2026		December 31,<br>2025
Kookmin Bank	Cash and due from financial institutions	~~W~~	386,240	~~W~~	970,591
	Other assets		477,737		1,015,164
	Other liabilities		9,983		134
	Property and equipment		885		175
KB Securities Co., Ltd.	Cash and due from financial institutions		95,902		—
	Financial assets at fair value through profit or loss		533,888		543,637
	Other assets		129,748		129,601
	Other liabilities		47,696		177,981
KB Insurance Co., Ltd.	Other assets		42,870		45,965
	Other liabilities		15,779		126,661
KB Kookmin Card Co., Ltd.	Other assets		107,336		62,601
	Other liabilities		1,435		936
KB Life Insurance Co., Ltd.	Other assets		16,819		16,774
	Other liabilities		50,808		121,861
KB Asset Management Co., Ltd.	Other assets		34,291		38,539
	Other liabilities		117		—
KB Capital Co., Ltd.	Financial assets at fair value through profit or loss		398,619		500,496
	Other assets		51,651		41,580
	Other liabilities		124		6
KB Real Estate Trust Co., Ltd.	Financial assets at fair value through profit or loss		—		152,972
	Other assets		5,626		6,459
	Other liabilities		88		—
KB Savings Bank Co., Ltd.	Financial assets at fair value through profit or loss		52,390		54,502
	Other assets		3,556		3,985
	Other liabilities		259		525
KB Investment Co., Ltd.	Loans measured at amortized cost (gross amount)		350,000		350,000
	Allowances for credit losses		888		888
	Other assets		10,052		12,345
KB Data Systems Co., Ltd.	Intangible assets		13		371
	Other assets		4,011		5,803
	Other liabilities		239		239

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

24.3 Right-of-use assets and lease liabilities with related parties as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)						June 30,<br>2026				December 31,<br>2025
Subsidiary		Kookmin Bank		Right-of-use assets		~~W~~	885			~~W~~	175

24.4 Credit card commitments provided from related parties as of June 30, 2026 and December 31, 2025, are as follows:

(In millions of Korean won)						June 30,<br>2026				December 31,<br>2025
Subsidiary		KB Kookmin Card Co., Ltd.		Lines of credit for credit card		~~W~~	49,000			~~W~~	3,000

24.5 Share transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)			2026			2025
Subsidiary	KB Real Estate Trust Co., Ltd	Issuance of ordinary share	~~W~~	300,000		~~W~~	—
	KB Securities Co., Ltd.	Issuance of ordinary share		700,000			—
	KB Real Estate Trust Co., Ltd	Redemption of hybrid securities		(152,972	)		—
	KB Capital Co., Ltd.	Redemption of hybrid securities		(100,901	)		—

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

24.6 Details of significant lending transactions with related parties for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)			2026
			Beginning		Loan		Collection		Ending
Subsidiary		KB Investment Co., Ltd.	~~W~~	350,000	~~W~~	—	~~W~~	—	~~W~~	350,000
		KB Savings Bank Co., Ltd. ^1^		70,000		—		—		70,000
(In millions of Korean won)			2025
			Beginning		Loan		Collection		Ending
Subsidiary		KB Investment Co., Ltd.	~~W~~	360,000	~~W~~	—	~~W~~	—	~~W~~	360,000
		KB Savings Bank Co., Ltd. ^1^		70,000		—		—		70,000
^1^	Par value of subordinated bond issued by KB Savings Bank Co., Ltd. The difference between par value and fair<br>value at the acquisition date was accounted for as investments in subsidiaries.
:---	:---

24.7 Details of compensation to key management personnel for the six-month periods ended June 30, 2026 and 2025, are as follows:

(In millions of Korean won)	2026
	Short-term<br>employee<br>benefits		Post-employment<br>benefits		Share-based<br>payments		Total
Registered directors (executive)	~~W~~	650	~~W~~	20	~~W~~	3,740	~~W~~	4,410
Registered directors (non-executive)		377		—		—		377
Non-registered directors		3,071		120		8,034		11,225

	~~W~~	4,098	~~W~~	140	~~W~~	11,774	~~W~~	16,012

(In millions of Korean won)	2025
	Short-term<br>employee<br>benefits		Post-employment<br>benefits		Share-based<br>payments		Total
Registered directors (executive)	~~W~~	650	~~W~~	21	~~W~~	2,733	~~W~~	3,404
Registered directors (non-executive)		350		—		—		350
Non-registered directors		2,660		120		7,918		10,698

	~~W~~	3,660	~~W~~	141	~~W~~	10,651	~~W~~	14,452

KB Financial Group Inc.

Notes to the Separate Interim Financial Statements

June 30, 2026 and 2025 (Unaudited), and December 31, 2025

25. Events After the Reporting Period

According to the resolution of the Board of Directors on July 23, 2026, the quarterly dividend per share of ~~W~~ 1,155 with a dividend record date of August 7, 2026, was declared. The Company’s financial statements as of June 30, 2026, do not reflect this dividend payable.

Pursuant to the resolution of the Board of Directors dated July 23, 2026, the Company plans to acquire treasury shares amounting to ~~W~~ 700,000 million on the Stock Exchange by December 16, 2026, and retire the acquired treasury shares.

KB 6-K