# KB FINANCIAL GROUP INC

Summary updated: 2026-10-02T09:06:11.982474Z
Canonical: https://finbar.com/research/companies/kb-financial-group

## Overview

KB Financial Group Inc. is a South Korean financial holding company with businesses spanning commercial banking, credit cards, asset management, life and non-life insurance, capital markets, and international finance. Korea is its core market, complemented by operations and offices across Asia and in the United States, the United Kingdom, and New Zealand. The group describes its purpose as creating “a happier life and a better world.” [1](https://app.finbar.com/go?id=P150341922)[2](https://app.finbar.com/go?id=P150341938)[3](https://app.finbar.com/go?id=T17209107)

Established on September 29, 2008, KB Financial Group reported gross operating profit of KRW 17.95 trillion for FY2025. It had 22,560 employees at year-end 2025. [4](https://app.finbar.com/go?id=P150341912)[5](https://app.finbar.com/go?id=T16063968)[6](https://app.finbar.com/go?id=T16064668)
[1](https://app.finbar.com/go?id=P150341922)[2](https://app.finbar.com/go?id=P150341938)[3](https://app.finbar.com/go?id=T17209107)[4](https://app.finbar.com/go?id=P150341912)[5](https://app.finbar.com/go?id=T16063968)[6](https://app.finbar.com/go?id=T16064668)

## Products & services

KB Financial Group’s customer offerings span banking, consumer finance, securities and investment management, and insurance through its operating subsidiaries. KB Kookmin Bank provides banking and foreign-exchange services. KB Kookmin Card offers credit-card and check-card services alongside installment financing, card loans and cash advances; at June 2026, its reported card assets included KRW 23.1tn in credit-card assets, KRW 6.5tn in card loans and KRW 1.0tn in cash advances. [7](https://app.finbar.com/go?id=T16062840)[8](https://app.finbar.com/go?id=T16264774)

KB Securities provides financial-investment services, while KB Asset Management manages and advises on collective investments, including funds involving equities, bonds, overseas assets, real estate, infrastructure, private equity and hedge funds. KB Insurance and KB Life Insurance provide non-life and life insurance, respectively. The group’s signature digital channels include KB Star Banking, KB Pay and M-able; reported digital-channel sales were 73% for the bank, 62% for cards and 95% for securities in 1H26. [7](https://app.finbar.com/go?id=T16062840)[9](https://app.finbar.com/go?id=T16264798)[10](https://app.finbar.com/go?id=T16264782)[11](https://www.kbfg.com/eng/about/network/domestic.htm)

KBFG reports group-level net interest and fee income, as well as selected business-line fee figures, but the cited materials do not allocate overall performance to individual named products. The digital-channel sales figures describe channel use, not product revenue shares. [12](https://app.finbar.com/go?id=T16264800)[9](https://app.finbar.com/go?id=T16264798)[10](https://app.finbar.com/go?id=T16264782)
[7](https://app.finbar.com/go?id=T16062840)[8](https://app.finbar.com/go?id=T16264774)[9](https://app.finbar.com/go?id=T16264798)[10](https://app.finbar.com/go?id=T16264782)[11](https://www.kbfg.com/eng/about/network/domestic.htm)[12](https://app.finbar.com/go?id=T16264800)[11](https://www.kbfg.com/eng/about/network/domestic.htm)

## Geographic presence

South Korea is KB Financial Group’s principal operating geography. At year-end 2025, Kookmin Bank operated 771 branches and sub-branches in Korea; 37.7% were in Seoul and 21.3% in the six next-largest cities. Other group businesses reported a further 486 branches and sub-branches and 191 representative offices. [13](https://app.finbar.com/go?id=P150342243)[14](https://app.finbar.com/go?id=P150342871)

The group also had an international presence in 2025, with 22 overseas subsidiaries, 13 overseas branches and six representative or liaison offices. Its listed markets included China, Myanmar, Cambodia, Indonesia, the United States, Hong Kong, Vietnam, Thailand, Singapore, Laos, Japan, New Zealand, the United Kingdom and India. [3](https://app.finbar.com/go?id=T17209107)

The 2025 reporting provides revenue by business segment, but not a country- or region-level revenue breakdown; employee distribution by geography was also not identified in the reviewed disclosures. [15](https://app.finbar.com/go?id=T17209860)
[13](https://app.finbar.com/go?id=P150342243)[14](https://app.finbar.com/go?id=P150342871)[3](https://app.finbar.com/go?id=T17209107)[15](https://app.finbar.com/go?id=T17209860)[16](https://www.kbfg.com/eng/ir/sec/annual/kbfg/list.jsp)[17](https://www.kbfg.com/eng/about/network/global/asia-pacific/list.jsp)[18](https://www.kbfg.com/eng/about/network/global/america/list.jsp)

## Business segments

KB Financial Group’s FY2025 business segments comprise Corporate banking, Retail banking, Other banking services, Securities, Non-life insurance, Credit card, Life insurance, and Others. Corporate and retail banking cover Kookmin Bank’s respective corporate and retail banking services; Other banking services includes its remaining banking operations, such as treasury and back-office administration. Securities covers brokerage, investment banking, securities investment and trading, and related capital-markets activities; the insurance and credit-card segments cover the corresponding KB subsidiaries’ operations. The reported segment information does not separately define Others. [19](https://app.finbar.com/go?id=P150343139)[20](https://app.finbar.com/go?id=P150343116)[21](https://app.finbar.com/go?id=P150343168)[22](https://app.finbar.com/go?id=P150343232)[23](https://app.finbar.com/go?id=P150343297)[24](https://app.finbar.com/go?id=P150343199)[25](https://app.finbar.com/go?id=P150343262)[26](https://app.finbar.com/go?id=P150343105)

Using FY2025 segment profit before income tax and the consolidated total of KRW 8,183.1 billion as the denominator, approximate contributions were Corporate banking 25%, Retail banking 23%, Other banking services 16%, Securities 11%, Non-life insurance 14%, Credit card 5%, Life insurance 3%, and Others 10%. Consolidation adjustments were negative KRW 660.3 billion, equivalent to about −8% of the consolidated total; accordingly, the positive segment shares exceed 100% before those adjustments. [27](https://app.finbar.com/go?id=T16062508)

The latest available 1H2026 results also show subsidiary-level profit contributions, but that presentation is not the same as the formal business-segment breakdown above. [28](https://app.finbar.com/go?id=T16264797)[29](https://app.finbar.com/go?id=T16264778)
[19](https://app.finbar.com/go?id=P150343139)[20](https://app.finbar.com/go?id=P150343116)[21](https://app.finbar.com/go?id=P150343168)[22](https://app.finbar.com/go?id=P150343232)[23](https://app.finbar.com/go?id=P150343297)[24](https://app.finbar.com/go?id=P150343199)[25](https://app.finbar.com/go?id=P150343262)[26](https://app.finbar.com/go?id=P150343105)[27](https://app.finbar.com/go?id=T16062508)[28](https://app.finbar.com/go?id=T16264797)[29](https://app.finbar.com/go?id=T16264778)[30](https://www.kbfg.com/eng/ir/report/annual/list.jsp)[16](https://www.kbfg.com/eng/ir/sec/annual/kbfg/list.jsp)[31](https://www.kbfg.com/eng/ir/mgt-performance/list.jsp?P=2)

## Company history

KB Financial Group’s roots lie in Kookmin Bank, founded in 1963, and Housing & Commercial Bank, founded in 1967. The two banks merged in 2001, with the combined bank beginning operations on November 1. KB Financial Group was established on September 29, 2008, and listed on the Korea Exchange the following month. [32](https://www.kbfg.com/eng/about/group/history/start.htm)[33](https://www.kbfg.com/eng/about/group/history/jump.htm)

The Group expanded beyond banking through a series of acquisitions and consolidations. In 2014 it acquired Woori Financial Capital, renamed KB Capital; in 2015 LIG Insurance became KB Insurance, and Hyundai Securities joined the Group in 2016, later merging with KB Investment & Securities to form KB Securities. [34](https://www.kbfg.com/common/jsp/fileDownUtil.jsp?filepath=%2Fkor%2Fabout%2Fsustainability%2F__icsFiles%2Fafieldfile%2F2017%2F08%2F30%2F2014_KB_sustainability_report_Eng.pdf)[33](https://www.kbfg.com/eng/about/group/history/jump.htm)[35](https://www.kbsec.com/go.able?linkcd=m50030017) In 2020, KB acquired Prudential Life Insurance of Korea, which later combined with the former KB Life Insurance on January 1, 2023, as part of the Group’s insurance business reorganization. [36](https://www.kbfg.com/eng/ir/news/2020_2.htm)[37](https://www.kbfg.com/common/jsp/fileDownUtil.jsp?filepath=%2Feng%2Fir%2Fpresentaion%2F__attachFile%2F2023_1QPT_ENG.pdf)
[32](https://www.kbfg.com/eng/about/group/history/start.htm)[33](https://www.kbfg.com/eng/about/group/history/jump.htm)[34](https://www.kbfg.com/common/jsp/fileDownUtil.jsp?filepath=%2Fkor%2Fabout%2Fsustainability%2F__icsFiles%2Fafieldfile%2F2017%2F08%2F30%2F2014_KB_sustainability_report_Eng.pdf)[35](https://www.kbsec.com/go.able?linkcd=m50030017)[36](https://www.kbfg.com/eng/ir/news/2020_2.htm)[37](https://www.kbfg.com/common/jsp/fileDownUtil.jsp?filepath=%2Feng%2Fir%2Fpresentaion%2F__attachFile%2F2023_1QPT_ENG.pdf)

## Sources

1. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150341922)
2. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150341938)
3. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=T17209107)
4. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150341912)
5. [KB FINANCIAL GROUP INC — Press release (2025 Y), p18](https://app.finbar.com/go?id=T16063968)
6. [KB FINANCIAL GROUP INC — Additional data (2025 Y), p14](https://app.finbar.com/go?id=T16064668)
7. [KB FINANCIAL GROUP INC — Full financial report (2025 Y), p388](https://app.finbar.com/go?id=T16062840)
8. [KB FINANCIAL GROUP INC — Press release (2026 H 1), p11](https://app.finbar.com/go?id=T16264774)
9. [KB FINANCIAL GROUP INC — Press release (2026 H 1), p31](https://app.finbar.com/go?id=T16264798)
10. [KB FINANCIAL GROUP INC — Press release (2026 H 1), p21](https://app.finbar.com/go?id=T16264782)
11. [www.kbfg.com](https://www.kbfg.com/eng/about/network/domestic.htm)
12. [KB FINANCIAL GROUP INC — Press release (2026 H 1), p32](https://app.finbar.com/go?id=T16264800)
13. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150342243)
14. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150342871)
15. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=T17209860)
16. [www.kbfg.com](https://www.kbfg.com/eng/ir/sec/annual/kbfg/list.jsp)
17. [www.kbfg.com](https://www.kbfg.com/eng/about/network/global/asia-pacific/list.jsp)
18. [www.kbfg.com](https://www.kbfg.com/eng/about/network/global/america/list.jsp)
19. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150343139)
20. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150343116)
21. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150343168)
22. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150343232)
23. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150343297)
24. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150343199)
25. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150343262)
26. [KB FINANCIAL GROUP INC — Full financial report (2025 Y)](https://app.finbar.com/go?id=P150343105)
27. [KB FINANCIAL GROUP INC — Full financial report (2025 Y), p159](https://app.finbar.com/go?id=T16062508)
28. [KB FINANCIAL GROUP INC — Press release (2026 H 1), p30](https://app.finbar.com/go?id=T16264797)
29. [KB FINANCIAL GROUP INC — Press release (2026 H 1), p18](https://app.finbar.com/go?id=T16264778)
30. [www.kbfg.com](https://www.kbfg.com/eng/ir/report/annual/list.jsp)
31. [www.kbfg.com](https://www.kbfg.com/eng/ir/mgt-performance/list.jsp?P=2)
32. [www.kbfg.com](https://www.kbfg.com/eng/about/group/history/start.htm)
33. [www.kbfg.com](https://www.kbfg.com/eng/about/group/history/jump.htm)
34. [www.kbfg.com](https://www.kbfg.com/common/jsp/fileDownUtil.jsp?filepath=%2Fkor%2Fabout%2Fsustainability%2F__icsFiles%2Fafieldfile%2F2017%2F08%2F30%2F2014_KB_sustainability_report_Eng.pdf)
35. [www.kbsec.com](https://www.kbsec.com/go.able?linkcd=m50030017)
36. [www.kbfg.com](https://www.kbfg.com/eng/ir/news/2020_2.htm)
37. [www.kbfg.com](https://www.kbfg.com/common/jsp/fileDownUtil.jsp?filepath=%2Feng%2Fir%2Fpresentaion%2F__attachFile%2F2023_1QPT_ENG.pdf)

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