The bank's balance sheet is heavily skewed toward market-linked assets, with investment securities ballooning to $741.3T, representing the vast majority of the $817.6T total asset base as of 2026Q1.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 | Dec'11 | Dec'10 | Dec'09 | Dec'08 | Dec'07 | Dec'06 | Dec'05 | Dec'04 | Dec'03 | Dec'02 | Dec'01 | Dec'00 | Dec'99 |
|---|
| Cash & Short Term Investments | 271.14T | 0 | 124.69T | 113.29T | 112.01T | 92.05T | 88.54T | 68.05T | 21.46T | 21.03T | 19.12T | 17.52T | 16.77T | 16.19T | 10.59T | 9.19T | 6.26T | 4.57T | 3.31T | 2.84T | 4T | 3.56T | 3.3T | 3.91T | 3.89T | 3.63T | 6.43T | 1.6T |
| Cash & Due from Banks | 20.38T | 0 | 30.79T | 30.79T | 32.47T | 31.68T | 26.71T | 21.99T | 21.46T | 21.03T | 19.12T | 17.52T | 16.77T | 16.19T | 10.59T | 9.19T | 6.26T | 4.57T | 3.31T | 2.84T | 4T | 3.56T | 3.3T | 3.91T | 3.89T | 3.63T | 6.43T | 1.6T |
| Short Term Investments | 0 | 0 | 93.9T | 82.5T | 79.53T | 60.38T | 61.83T | 46.06T | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Investments | 741.34T | 0 | 696.61T | 652.53T | 628.93T | 598.31T | 544.13T | 469.38T | 434.92T | 393.7T | 344.16T | 301.27T | 281.74T | 266.13T | 262.73T | 260.49T | 226.86T | 259.95T | 226.28T | 220.1T | 27.75T | 29.81T | 28.2T | 31.36T | 30.82T | 32.44T | 20.72T | 7.02T |
| Investments Growth % | -82.91% | -100% | 6.75% | 3.75% | 5.12% | 9.96% | 15.93% | 7.92% | 10.47% | 14.4% | 14.24% | 6.93% | 5.87% | 1.29% | 0.86% | 14.83% | -12.73% | 14.88% | 2.8% | 693.18% | -6.9% | 5.7% | -10.07% | 1.75% | -4.99% | 56.56% | 195.16% | - |
| Long-Term Investments | 1974.78T | 0 | 602.71T | 570.03T | 549.39T | 537.94T | 482.3T | 423.32T | 434.92T | 393.7T | 344.16T | 301.27T | 281.74T | 266.13T | 262.73T | 260.49T | 226.86T | 259.95T | 226.28T | 220.1T | 27.75T | 29.81T | 28.2T | 31.36T | 30.82T | 32.44T | 20.72T | 7.02T |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 956.75B | 1.03T | 3.19T | 2.01T | 765.09B | 1.05T | 841.1B | 1.04T | 1.12T | 1.16T | 0 | 643.04B |
| Goodwill & Intangibles | 1.57T | 0 | 1.97T | 1.95T | 1.86T | 1.79T | 3.35T | 2.74T | 2.76T | 2.94T | 652.32B | 466.83B | 488.92B | 443.2B | 493.13B | 461.99B | 861.22B | 770.16B | 786.94B | 577.93B | 552.99B | 605.25B | 705.12B | 857.3B | 630.62B | 0 | 0 | 0 |
| Goodwill | 0 | 0 | 874.05B | 866.97B | 845.15B | 806.41B | 763.58B | 275.74B | 275.22B | 273.45B | 331.71B | 262.39B | 262.39B | 205.56B | 0 | 0 | 585.9B | 579.45B | 578.45B | 394.46B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 1.57T | 0 | 1.09T | 1.08T | 1.01T | 980.4B | 2.59T | 2.46T | 2.48T | 2.67T | 320.61B | 204.44B | 226.53B | 237.64B | 493.13B | 461.99B | 275.32B | 190.72B | 208.49B | 183.47B | 552.99B | 605.25B | 705.12B | 857.3B | 630.62B | 0 | 0 | 0 |
| PP&E (Net) | 5.04T | 0 | 5.39T | 4.95T | 4.99T | 5.24T | 5.43T | 5.07T | 4.27T | 4.2T | 3.63T | 3.29T | 3.08T | 3.06T | 3.1T | 3.18T | 1.48T | 1.62T | 1.77T | 1.66T | 1.54T | 1.5T | 1.58T | 2T | 2.12T | 2.03T | 1.46T | 744.64B |
| Other Assets | 49.1T | 0 | 9.59T | 10.17T | 19.54T | 18.19T | 18.31T | 11.69T | 9.52T | 6.7T | 2.08T | 1.39T | 1.27T | 1.08T | 8.53T | 7.53T | 15.34T | -14.07T | 22.99T | -9.5T | -29.84T | -31.91T | -30.49T | -34.22T | -33.57T | 0 | 0 | -7.76T |
| Total Current Assets | 20.38T | 0 | 137.91T | 128.36T | 112.68T | 92.41T | 101.26T | 75.72T | 28.12T | 29.24T | 25.02T | 22.64T | 21.76T | 21.43T | 11.19T | 9.19T | 7.21T | 5.6T | 6.49T | 4.84T | 4.77T | 4.61T | 4.14T | 4.96T | 5.01T | 4.79T | 6.43T | 2.24T |
| Total Non-Current Assets | 797.23T | 0 | 619.93T | 587.37T | 575.97T | 563.31T | 509.46T | 442.82T | 451.47T | 407.55T | 350.65T | 306.42T | 286.6T | 270.73T | 274.88T | 271.68T | 244.54T | 248.26T | 251.83T | 212.84T | 29.84T | 31.91T | 30.49T | 34.22T | 33.57T | 34.47T | 22.18T | 7.76T |
| Total Assets | 817.61T | 0 | 757.85T | 715.73T | 688.65T | 655.71T | 610.72T | 518.54T | 479.59T | 436.79T | 375.67T | 329.07T | 308.36T | 292.17T | 286.07T | 280.87T | 251.75T | 253.86T | 258.33T | 217.68T | 184.07T | 176.62T | 171.52T | 192.93T | 184.09T | 168.3T | 91.43T | 45.28T |
| Asset Growth % | -81.88% | -100% | 5.88% | 3.93% | 5.02% | 7.37% | 17.78% | 8.12% | 9.8% | 16.27% | 14.16% | 6.72% | 5.54% | 2.13% | 1.85% | 11.57% | -0.83% | -1.73% | 18.67% | 18.26% | 4.22% | 2.97% | -11.1% | 4.8% | 9.38% | 84.09% | 101.93% | - |
| Return on Assets (ROA) | 1.02% | - | 0.69% | 0.65% | 0.61% | 0.7% | 0.61% | 0.66% | 0.67% | 0.82% | 0.61% | 0.54% | 0.47% | 0.44% | 0.62% | 0.9% | 0.06% | 0.28% | 0.56% | 1.87% | 1.63% | 1.54% | 0.55% | -0.53% | 0.71% | 0.76% | 0.87% | 1.19% |
| Accounts Payable | 0 | 0 | 36.13B | 36.01B | 35.26B | 33.97B | 31.18B | 27.55B | 25.83B | 21.77B | 19.08B | 18.23B | 19.58B | 18.53B | 18.16B | 0 | 3.7T | 3.82T | 4.96T | 4.2T | 3.53T | 3.27T | 3.38T | 4.13T | 4.46T | 4.62T | 0 | 0 |
| Total Debt | 153.47T | 0 | 140.77T | 137.04T | 152.78T | 139.3T | 106.68T | 86.65T | 85.71T | 75.12T | 64.19T | 50.98T | 47.99T | 43.8T | 43.93T | 43.99T | 41.51T | 53.78T | 54.47T | 43.42T | 37.93T | 30.66T | 32.4T | 39.54T | 43.88T | 32.95T | 21.11T | 6.04T |
| Net Debt | 133.09T | 0 | 109.98T | 106.25T | 120.31T | 107.62T | 79.97T | 64.66T | 64.25T | 54.08T | 45.07T | 33.46T | 31.22T | 27.6T | 33.33T | 34.81T | 35.25T | 49.21T | 51.16T | 40.58T | 33.93T | 27.1T | 29.1T | 35.63T | 39.99T | 29.32T | 14.68T | 4.44T |
| Long-Term Debt | 52.43T | 0 | 127T | 120.8T | 140.42T | 124.34T | 89.79T | 73.09T | 72.67T | 63.14T | 52.42T | 47.04T | 44.03T | 40.46T | 40.24T | 43.99T | 41.51T | 52.42T | 51.03T | 42.62T | 27.79T | 24.61T | 17.29T | 17.42T | 20.16T | 16.63T | 11.69T | 6.04T |
| Short-Term Debt | 100.39T | 0 | 12.8T | 15.65T | 11.77T | 14.37T | 16.33T | 13.02T | 13.04T | 11.97T | 11.77T | 3.94T | 3.96T | 3.33T | 3.69T | 0 | 0 | 1.36T | 3.44T | 794.14B | 10.14T | 6.05T | 15.11T | 22.13T | 23.72T | 16.32T | 9.42T | 0 |
| Other Liabilities | 605.82T | -61.37T | 114.73T | 105.34T | 68.79T | 71.56T | 113.18T | 78.39T | 60.57T | 54.71T | 24.31T | 17.99T | 15.42T | 15.72T | 13.04T | 18.82T | 2.61T | 1.43T | 11.44T | 8.64T | -27.79T | -24.61T | -17.29T | -17.42T | -20.16T | -16.63T | -11.69T | -6.04T |
| Total Current Liabilities | 100.39T | 0 | 453.01T | 427.62T | 422.79T | 407.12T | 361.68T | 325.94T | 309.58T | 283.91T | 267.21T | 234.68T | 221.03T | 209.7T | 207.33T | 194.65T | 190.6T | 182.43T | 180.26T | 149.44T | 13.66T | 9.32T | 18.48T | 26.26T | 28.18T | 20.94T | 9.42T | 0 |
| Total Non-Current Liabilities | 660.86T | -61.37T | 245.02T | 229.46T | 212.06T | 199.23T | 205.64T | 153.47T | 134.3T | 118.83T | 77.2T | 65.49T | 59.82T | 56.48T | 53.66T | 63.06T | 44.11T | 53.85T | 62.47T | 51.26T | 27.79T | 24.61T | 17.29T | 17.42T | 20.16T | 16.63T | 11.69T | 6.04T |
| Total Liabilities | 761.25T | -61.37T | 698.03T | 657.09T | 634.85T | 606.35T | 567.32T | 479.42T | 443.88T | 402.74T | 344.41T | 300.16T | 280.84T | 266.19T | 260.99T | 257.71T | 234.72T | 236.28T | 242.73T | 200.7T | 169.96T | 165.33T | 164.08T | 186.03T | 175.18T | 160.36T | 87.16T | 43.52T |
| Total Equity | 56.36T | 61.37T | 59.82T | 58.64T | 53.8T | 49.37T | 43.4T | 39.12T | 35.71T | 34.04T | 31.26T | 28.9T | 27.51T | 25.98T | 25.08T | 23.16T | 17.04T | 17.58T | 15.59T | 16.99T | 14.11T | 11.29T | 7.43T | 6.9T | 8.91T | 7.95T | 4.27T | 1.76T |
| Equity Growth % | 0.66% | 2.6% | 2.01% | 8.98% | 8.99% | 13.74% | 10.95% | 9.54% | 4.9% | 8.9% | 8.16% | 5.05% | 5.89% | 3.59% | 8.27% | 35.98% | -3.08% | 12.71% | -8.19% | 20.41% | 25% | 51.8% | 7.68% | -22.48% | 12.07% | 86.23% | 143.04% | - |
| Equity / Assets (Capital Ratio) | 6.89% | - | 7.89% | 8.19% | 7.81% | 7.53% | 7.11% | 7.54% | 7.45% | 7.79% | 8.32% | 8.78% | 8.92% | 8.89% | 8.77% | 8.25% | 6.77% | 6.92% | 6.04% | 7.8% | 7.66% | 6.39% | 4.33% | 3.58% | 4.84% | 4.72% | 4.67% | 3.88% |
| Return on Equity (ROE) | 10.2% | 9.66% | 8.57% | 8.17% | 7.97% | 9.51% | 8.41% | 8.85% | 8.78% | 10.14% | 7.13% | 6.12% | 5.24% | 4.98% | 7.34% | 11.97% | 0.85% | 4.35% | 8.14% | 24.15% | 23.22% | 28.71% | 13.9% | -12.56% | 14.85% | 16.25% | 19.74% | 30.8% |
| Book Value per Share | 149271.33 | 160565.68 | 156025.49 | 149076.32 | 134865.20 | 123854.78 | 109946.47 | 99282.08 | 89549.42 | 84890.51 | 81065.17 | 74473.70 | 70919.73 | 66966.18 | 64719.17 | 62917.59 | 49601.96 | 54014.86 | 47185.73 | 50501.54 | 41941.23 | 34946.34 | 24244.16 | 21178.04 | 27261.90 | 33012.75 | 24151.97 | 9546.26 |
| Tangible BV per Share | 145123.36 | 160565.68 | 150895.48 | 144116.47 | 130206.69 | 119371.84 | 101457.41 | 92333.71 | 82639.38 | 77552.01 | 79373.62 | 73270.82 | 69659.43 | 65823.87 | 63446.72 | 61662.81 | 47094.36 | 51648.02 | 44804.66 | 48783.29 | 40297.15 | 33072.21 | 21944.73 | 18548.28 | 25331.46 | 33012.75 | 24151.97 | 9546.26 |
| Common Stock | 2.06T | 0 | 2.09T | 2.09T | 2.09T | 2.09T | 2.09T | 2.09T | 2.09T | 2.09T | 2.09T | 1.93T | 1.93T | 1.93T | 1.93T | 1.93T | 1.93T | 1.93T | 1.78T | 1.68T | 1.6T | 1.66T | 1.62T | 1.76T | 1.64T | 1.59T | 1.5T | 545.31B |
| Additional Paid-in Capital | 8.97T | 0 | 16.65T | 16.65T | 16.94T | 16.94T | 16.72T | 17.12T | 17.12T | 17.12T | 16.99T | 15.85T | 15.85T | 15.85T | 15.84T | 15.84T | 7.21T | 7.2T | 6.25T | 5.4T | 5.15T | 5.36T | 5.22T | 5.66T | 5.15T | 4.96T | 1.65T | 838.88B |
| Retained Earnings | 42.97T | 0 | 34.81T | 31.93T | 28.89T | 26.42T | 22.54T | 19.71T | 17.28T | 15.04T | 12.23T | 10.46T | 9.07T | 7.86T | 6.82T | 5.05T | 10.1T | 10.78T | 10.03T | 10.01T | 6.93T | 4.31T | 1.75T | 796.7B | 2.03T | 277.19B | 710.7B | 349.45B |
| Accumulated OCI | 2.25T | 59.58T | 496.92B | 2.15T | 1T | 1.38T | 630.01B | 348.02B | 177.81B | 537.67B | 405.33B | 430.24B | 461.68B | 336.31B | 295.14B | 161.04B | 373.16B | 244.65B | 389.91B | -132.99B | 404.89B | -55.95B | 106.19B | 64.16B | 165.64B | 810.58B | -17.16B | 22.71B |
| Treasury Stock | -1.66T | 0 | -1.24T | -1.17T | -836.19B | -1.14T | -1.14T | -1.14T | -968.55B | -755.97B | -721.97B | 0 | 0 | 0 | 0 | 0 | -2.62T | -2.62T | -2.86T | -1.96B | -3.68B | -9.56B | -1.28T | -1.39T | -148.97B | -1.36B | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 200.72B | 296.5B |
Real estate credit exposure
As reported in recent financial statements, KB's total assets have grown from $715.7T in 2023Q4 to $817.6T by 2026Q1, suggesting that the bank is aggressively expanding its balance sheet footprint despite the prevailing macro-financial headwinds within the South Korean domestic market.
The consistent upward trajectory in total assets appears to be driven by a combination of organic lending and strategic investment portfolio expansion. Investors should monitor whether this asset growth is being deployed into high-quality, low-risk assets or if it reflects a reach for yield in a cooling real estate environment.
Based on the provided quarterly data, KB has maintained a stable equity-to-assets ratio of approximately 0.08, which indicates that the bank is managing its capital base with a disciplined approach to regulatory requirements while simultaneously supporting the ongoing 'Value-Up' program initiatives.
The maintenance of this capital ratio suggests that management is prioritizing a fortress-like balance sheet to absorb potential credit shocks. This capital positioning appears to provide the necessary flexibility for continued dividend distributions and share buybacks, provided that asset quality remains within expected parameters.
According to the bank's reported figures, the investment securities portfolio has ballooned to $741.3T as of 2026Q1, representing the vast majority of total assets and highlighting a significant reliance on market-based instruments for liquidity management rather than traditional loan-based asset generation.
This heavy concentration in securities suggests that KB's liquidity profile is highly sensitive to interest rate volatility and market valuation shifts. Such a structure may imply that the bank is effectively using its securities book as a buffer, though it warrants further investigation into the duration and credit quality of these holdings.
As indicated by the discrepancy between total assets and the massive investment securities portfolio, KB's balance sheet appears structurally skewed toward market-linked assets, which may mask underlying credit risks associated with the bank's exposure to the domestic real estate project financing sector.
The reliance on a large securities portfolio may provide short-term liquidity, but it potentially obscures the true credit risk profile of the loan book. Analysts should remain cautious, as any significant downturn in the Korean property market could necessitate rapid re-allocations that might pressure the bank's capital adequacy ratios.
Quick answers to the most common questions about buying KB stock.
As of 2025, KB Financial Group Inc. (KB) had total assets of $0.0M including $0.0M in current assets.
KB Financial Group Inc. (KB) carries total debt of $0.0M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
KB Financial Group Inc. (KB) has total shareholders' equity (book value) of $61.37T ($160565.68 book value per share). Book value represents the net worth of the company belonging to common stock holders.