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    A105560   KR7105560007

KB FINANCIAL GROUP INC.

(A105560)
  Report
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SummaryMost relevantAll NewsAnalyst Reco.Other languagesPress ReleasesOfficial PublicationsSector news

KB Financial : 1st Half 2021 Fact Book

07/22/2021 | 03:58am EDT

KB Financial Group Fact Book

2021 1H

Disclaimer

Highlights

KB Kookmin Bank

KB Securities

Prudential Life Insurance

Condensed Income Statement

Condensed Income Statement

Condensed Income Statement

KB Financial Group

Condensed Balance Sheet

Condensed Balance Sheet

Condensed Balance Sheet

Condensed Income Statement

Interest Income / Spread / Margin

Key Indicators

Key Indicators

Condensed Balance Sheet

Fee and Commission Income

Premium Income

Interest Income / Spread / Margin

Other Operating Income

KB Kookmin Card

Loss & Expense Ratios

Fee and Commission Income

Provision for Credit Losses

Condensed Income Statement

APE

Other Operating Income

General & Administrative Expenses

Condensed Balance Sheet

Provision for Credit Losses

Loans / Deposits

Customers / Volume / Receivables

Other Subsidiaries

General & Administrative Expenses

Asset Quality

Asset Quality

Condensed Income Statement

Asset Quality

Delinquency

Delinquency

Condensed Balance Sheet

Capital Adequacy

Capital Adequacy

Organizational Structure

Credit Ratings

KB Insurance

Contacts

Employees / Branches

Housing Price Index

Condensed Income Statement

Credit Ratings

Condensed Balance Sheet

Key Indicators

Direct Premiums

Loss & Expense Ratios

Monthly Initial Premiums

Return to Home

Disclaimer

Highlights

KB Financial Group

KB Kookmin Bank

KB Securities

KB Insurance

KB Kookmin Card

Prudential Life Insurance

Other Subsidiaries

Contacts

Disclaimer

The consolidated financial information of KB Financial Group Inc. (the "Group") presented herein is based on the Korean International Financial Reporting Standards(K-IFRS). It is currently being reviewed by the Group's independent auditor, and accordingly, is subject to change.

The consolidated financial information presented herein is based on Korean IFRS9(K-IFRS9). Note that the financial results for years before 2017 contained herein have not been restated retrospectively.

From 2018, for better peer comparison purpose, the Group reclassified certain interest income out of Net Gain/Loss on Financial Assets at FVPL under Other Operating Profit to Interest Income under Net Interest Income. Note that beginning from the financial results for 2017 contained herein have been restated retrospectively.

As KB Insurance and KB Capital became wholly-owned subsidiaries of the Group on July 7, 2017, the financial results of KB Insurance and KB Capital have been fully consolidated in the Group's financial statements since 3Q17.

As Prudential Life Insurance became wholly-owned subsidiary of the Group as of August 31, 2020, the financial results have been fully consolidated in the Group's financial statements since 3Q20(from September 2020).

Totals may not sum due to rounding.

Highlights

Return to Home

KB Financial Group

Financial Statements

Disclaimer

(bn Won)

3Q19

4Q19

1Q20

2Q20

3Q20

4Q20

1Q21

2Q21(E)

KB Financial Group

Highlights

Total Assets

506,195.3

518,538.1

544,881.7

569,476.6

605,506.4

610,672.2

620,939.2

633,747.8

Total Liabilities

467,455.0

479,418.8

506,072.2

529,172.5

563,398.5

567,310.7

576,873.8

588,022.4

KB Financial Group

Total Equity

38,740.3

39,119.3

38,809.5

40,304.1

42,107.9

43,361.5

44,065.4

45,725.4

Net Income

940.7

535.1

738.9

992.5

1,194.2

576.7

1,285.2

1,207.4

KB Kookmin Bank

Net Income (attributable to controlling interests)

940.3

534.7

729.5

981.8

1,166.6

577.3

1,270.0

1,204.3

Total Asset including AUM1)

772,636.4

789,776.8

810,377.1

873,465.3

908,358.7

940,407.9

974,829.3

1,003,073.6

KB Securities

(AUM)

266,335.9

271,124.9

266,556.7

304,669.8

302,696.9

329,243.2

353,579.3

369,936.8

Total Assets by Subsidiaries

KB Insurance

KB Kookmin Bank

377,996.0

387,425.0

406,255.6

425,310.2

437,038.8

438,444.1

447,822.5

455,817.9

KB Securities2)

45,976.9

47,816.5

54,009.3

56,606.6

55,843.0

57,570.7

56,757.5

56,893.6

KB Kookmin Card

KB Insurance3)

36,641.5

36,552.4

37,122.3

37,677.1

38,082.9

39,078.1

39,264.1

40,267.9

KB Kookmin Card

22,509.8

22,990.1

22,462.9

23,858.8

24,292.3

24,071.6

25,106.7

25,841.3

Prudential Life Insurance

Prudential Life4)

24,408.3

25,121.7

24,969.0

25,508.0

KB Asset Management

261.0

310.0

392.9

385.9

413.3

335.6

312.2

343.8

Other Subsidiaries

KB Capital

10,377.2

11,190.6

11,504.8

12,140.4

12,326.6

12,823.7

12,901.3

13,803.1

KB Life Insurance

10,038.7

9,801.9

9,461.4

9,998.8

10,213.7

10,424.9

10,698.6

10,904.1

Contacts

KB Real Estate Trust

365.2

377.9

374.1

393.4

420.4

437.6

438.2

445.2

KB Savings Bank

1,321.9

1,361.0

1,403.4

1,550.0

1,700.7

1,883.7

2,084.2

2,345.8

KB Investment

739.6

757.0

761.7

801.3

850.8

848.7

836.5

895.6

KB Data Systems

44.1

41.7

44.1

44.5

42.7

40.3

38.9

41.8

KB Credit Information

28.6

27.8

27.9

28.5

28.3

27.7

27.3

28.7

Total Equity by Subsidiaries

KB Kookmin Bank

28,606.5

29,004.2

28,622.3

29,323.0

29,512.7

30,408.1

30,174.1

31,032.4

KB Securities2)

4,677.3

4,684.7

4,619.8

4,804.2

4,998.3

5,054.2

5,162.5

5,320.2

KB Insurance3)

3,951.4

3,862.9

3,978.7

4,057.0

4,114.1

3,991.7

3,831.9

3,952.0

KB Kookmin Card

3,993.3

4,064.9

4,030.1

4,098.3

4,201.9

4,281.7

4,258.7

4,376.1

Prudential Life4)

2,535.9

2,439.9

2,206.2

2,294.2

KB Asset Management

183.0

195.2

169.7

187.6

205.4

223.1

187.9

209.5

KB Capital

1,142.9

1,154.5

1,241.6

1,274.0

1,410.2

1,431.6

1,479.0

1,530.6

KB Life Insurance

625.8

615.3

610.8

636.9

631.4

582.1

527.0

522.8

KB Real Estate Trust

273.7

292.8

283.8

301.1

318.3

329.5

321.6

338.1

KB Savings Bank

209.8

212.4

212.7

218.9

222.0

225.6

231.9

250.8

KB Investment

201.5

214.8

209.5

216.2

231.2

230.1

224.0

241.7

KB Data Systems

20.5

20.7

21.8

21.6

20.8

17.3

16.0

15.8

KB Credit Information

14.8

14.9

15.1

14.8

15.2

15.9

16.0

16.6

Net Income by Subsidiaries

KB Kookmin Bank

701.6

432.4

586.3

660.4

635.7

415.8

688.5

734.1

KB Securities2)

55.8

33.2

-21.4

150.2

209.7

87.1

221.1

153.3

KB Insurance3)

67.7

0.4

77.2

66.8

42.6

-22.7

68.8

74.1

KB Kookmin Card

104.9

65.5

82.1

81.7

91.4

69.5

141.5

111.3

Prudential Life4)

11.1

44.6

112.1

80.3

KB Asset Management

10.2

13.0

4.4

17.2

17.8

17.9

19.9

22.5

KB Capital

37.6

16.3

39.3

34.2

41.3

26.8

53.9

53.6

KB Life Insurance

1.7

-2.2

5.9

5.9

-2.6

-32.4

-1.5

-9.5

KB Real Estate Trust

12.0

19.1

21.0

17.3

17.2

11.4

27.1

16.5

KB Savings Bank

3.5

2.9

3.4

6.5

3.3

4.1

6.4

1.3

KB Investment

-4.0

13.2

-5.3

6.8

15.0

-1.1

3.9

17.7

KB Data Systems

1.6

0.6

1.1

-0.2

-0.8

-1.8

-1.4

-0.1

KB Credit Information

-0.2

0.2

0.2

-0.3

0.4

0.8

0.1

0.5

  1. Simple arithmatic sum of each subsidiary's total assets(including Trusts and AUM) on the financial statements for group reporting
  2. Financial information prior to 4Q16 represent financial results of KB Investment & Securities
  3. Financial information prior to 2Q17 represent financial results of KB Insurance on a separate financial statement
  4. Financial results have been fully consolidated in the Group's financial statements since 3Q20(one month period of Semptember).

Key Financial Indicators

KB Financial Group

3Q19

4Q19

1Q20

2Q20

3Q20

4Q20

1Q21

2Q21(E)

ROA (Quarterly)

0.74%

0.41%

0.56%

0.72%

0.81%

0.38%

0.85%

0.77%

ROA (Cumulative)

0.75%

0.66%

0.56%

0.64%

0.70%

0.61%

0.85%

0.81%

ROE (Quarterly)

9.90%

5.53%

7.64%

10.15%

11.49%

5.49%

12.02%

10.98%

ROE (Cumulative)

10.11%

8.93%

7.64%

8.88%

9.76%

8.64%

12.02%

11.47%

ROCE (Quarterly)1)

9.98%

5.57%

7.70%

10.28%

11.73%

5.61%

12.50%

11.48%

ROCE (Cumulative)1)

10.16%

8.98%

7.70%

8.97%

9.90%

8.79%

12.50%

11.95%

Basic EPS (Won, Quarterly)

2,413

1,372

1,864

2,512

2,977

1,456

3,225

3,045

Basic EPS (Won, Cumulative)

7,083

8,451

1,864

4,376

7,353

8,809

3,225

6,270

BPS (Won)

91,115

91,871

91,213

93,706

97,551

100,484

102,304

106,637

NIM (Quarterly)

1.94%

1.88%

1.83%

1.74%

1.73%

1.75%

1.82%

1.82%

NIM (Cumulative)

1.96%

1.94%

1.83%

1.78%

1.77%

1.76%

1.82%

1.82%

CIR (Quarterly)

50.7%

64.8%

53.2%

48.5%

49.5%

67.4%

47.3%

46.8%

CIR (Cumulative)

51.6%

54.9%

53.2%

50.6%

50.3%

54.7%

47.3%

47.1%

Credit Cost Ratio (Quarterly)

0.21%

0.25%

0.25%

0.29%

0.22%

0.29%

0.20%

0.25%

Credit Cost Ratio (Cumulative)

0.19%

0.20%

0.25%

0.27%

0.25%

0.26%

0.20%

0.22%

NPL Ratio

0.55%

0.49%

0.50%

0.48%

0.46%

0.41%

0.42%

0.39%

NPL Coverage Ratio(New)2)

135.59%

147.10%

141.36%

144.41%

148.35%

168.59%

162.34%

173.10%

NPL Coverage Ratio(Old)3)

275.31%

301.79%

293.54%

296.50%

311.61%

345.87%

336.51%

363.69%

BIS Ratio

15.25%

14.48%

14.08%

14.24%

14.65%

15.28%

16.04%

16.03%

CET 1 Ratio

14.35%

13.58%

13.02%

12.91%

13.06%

13.30%

13.79%

13.70%

KB Kookmin Bank

3Q19

4Q19

1Q20

2Q20

3Q20

4Q20

1Q21

2Q21(E)

ROA (Quarterly)

0.74%

0.45%

0.59%

0.65%

0.60%

0.38%

0.63%

0.65%

ROA (Cumulative)

0.73%

0.65%

0.59%

0.62%

0.61%

0.55%

0.63%

0.64%

ROE (Quarterly)

9.95%

5.96%

8.18%

9.19%

8.66%

5.57%

9.30%

9.71%

ROE (Cumulative)

9.82%

8.82%

8.18%

8.67%

8.67%

7.86%

9.30%

9.48%

NIM (Quarterly)

1.67%

1.61%

1.56%

1.50%

1.49%

1.51%

1.56%

1.56%

NIM (Cumulative)

1.69%

1.67%

1.56%

1.53%

1.52%

1.51%

1.56%

1.56%

CIR (Quarterly)

46.4%

64.0%

49.4%

48.6%

47.7%

67.9%

50.4%

47.4%

CIR (Cumulative)

49.5%

53.1%

49.4%

49.0%

48.6%

53.6%

50.4%

48.9%

NPL Ratio

0.41%

0.37%

0.36%

0.33%

0.32%

0.28%

0.29%

0.26%

NPL Coverage Ratio(New)2)

118.11%

130.16%

126.73%

134.46%

140.39%

165.20%

156.74%

172.75%

NPL Coverage Ratio(Old)3)

292.42%

324.61%

326.13%

343.31%

360.07%

407.40%

389.38%

431.85%

BIS Ratio

16.42%

15.85%

15.01%

14.38%

17.20%

17.78%

18.49%

18.92%

CET 1 Ratio

14.90%

14.37%

13.56%

12.79%

15.07%

15.10%

15.60%

15.88%

Loan to Deposit Ratio4)

95.7%

94.1%

98.3%

100.4%

99.9%

101.7%

100.4%

100.4%

  1. Common shares basis, eliminating the effects of supplementary capital
  2. Based on new formula in accordance with FSS guideline: Loan loss reserves / NPL (i.e. not including reserves for credit losses)
  3. Including reserves for credit losses
  4. Based on new formula in accordance with FSS guideline from 2020

Disclaimer

KB Financial Group Inc. published this content on 22 July 2021 and is solely responsible for the information contained therein. Distributed by Public, unedited and unaltered, on 22 July 2021 07:57:07 UTC.


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Financials
Sales 2021 14 202 B 12,0 B 12,0 B
Net income 2021 4 285 B 3,62 B 3,62 B
Net Debt 2021 - - -
P/E ratio 2021 4,90x
Yield 2021 5,46%
Capitalization 20 300 B 17 165 M 17 153 M
Capi. / Sales 2021 1,43x
Capi. / Sales 2022 1,39x
Nbr of Employees 25 428
Free-Float 92,0%
Chart KB FINANCIAL GROUP INC.
Duration : Period :
KB Financial Group Inc. Technical Analysis Chart | A105560 | KR7105560007 | MarketScreener
Technical analysis trends KB FINANCIAL GROUP INC.
Short TermMid-TermLong Term
TrendsNeutralBearishBullish
Income Statement Evolution
Consensus
Sell
Buy
Mean consensus BUY
Number of Analysts 22
Last Close Price 52 100,00 KRW
Average target price 70 909,09 KRW
Spread / Average Target 36,1%
EPS Revisions
Managers and Directors
Jong-Kyoo Yoon Chairman & Chief Executive Officer
Hwan-Joo Lee Chief Financial Officer & Senior Executive VP
Jin Soo Yoon Chief Information Technology Officer
Jong-Hee Yang Vice Chairman & Chief Operating Officer
Hye Ja Suh Managing Director & Chief Compliance Officer
Sector and Competitors