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1 Industrial Bank of Korea 3Q26 Earnings Release Oct. 2026
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2 • 본 자료는 한국채택국제회계기준(K-IFRS)에 따라 작성되었습니다. • 본 자료는 외부 감사인의 회계감사가 완료되지 않은 상태에서 작성된 것으로 내용 중 일부가 변경될 수 있습니다. • 일부 항목간의 합계는 반올림으로 인하여 단수차가 발생할 수 있습니다. • Financial results contained herein have been prepared IAW K-IFRS unless noted otherwise. • The operating results presented herein have not yet received a complete and full review by the external auditor and the Board of Directors, and may be subject to change in the due course of further process. • Some of the totals may not sum due to the rounding. • Hereinafter, the term “IBK” refers to Industrial Bank of Korea, “SME(s)” to Small and Medium-sized Enterprise(s). Disclaimer 공지사항
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Table of Contents 01 Financial Highlights 02 Profitability 03 Loan & Deposit 04 Asset Quality 05 Capital Adequacy 06 Appendix
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01 Financial Highlights 02 Profitability 03 Loan & Deposit 04 Asset Quality 05 Capital Adequacy 06 Appendix Table of Contents
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5 Key Performance Summary Profitability Loan Growth • Steady SME and small business loan growth drove continued interest income improvement, with the Bank’s net income rising +0.6% YoY 261.9 272.0 315.6 326.2 2025.12 2026.9 SME Loan Retail and Others (KRW tn) 1.35 1.31 0.44 0.53 2025.9 2026.9 NPL Ratio CCR +W10.6tn (YTD +3.3%)Total Loan +W10.1tn (YTD +3.9%)SME Loan 24.55% (YTD +0.14%p)SME Loan M/S 1.61% (QoQ +0.02%p)Quarterly NIM 36.06% (YoY △2.25%p)CIR 7.86% (YoY △0.79%p)ROE 1.31% (YoY △4bp)NPL Ratio 0.53% (YoY +9bp)CCR 1.04% (YoY +4bp)Delinquency YoY +0.6% YoY △2.0% YTD +3.3% YTD +3.9% Asset Quality 1,997.3 2,008.9 2,259.7 2,214.1 3Q25(YTD) 3Q26(YTD) Bank Con. (KRW bn) (%)
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6 1,997.3 2,259.7 2,214.1 3Q25(YTD) 3Q26(YTD) Bank Consolidated YoY △2.0% YoY +0.6% 2,008.9 Net Income (KRW bn) 397 403 408 417 421 1.57 1.57 1.60 1.59 1.61 0.0 0 0.2 0 0.4 0 0.6 0 0.8 0 1.0 0 1.2 0 1.4 0 1.6 0 1.8 0 2.0 0 0 100 200 300 400 500 3Q25 4Q25 1Q26 2Q26 3Q26 Interest Income (KRW bn) Non-Interest Income (KRW bn) NIM·Interest Earning Assets (%, KRW tn) 5,361.0 5,749.0 3Q25(YTD) 3Q26(YTD) +7.2% 540.6 549.8 3Q25(YTD) 3Q26(YTD) 742 765 733 815 723 38.3 38.2 37.7 39.2 36.1 0.0 5.0 10. 0 15. 0 20. 0 25. 0 30. 0 35. 0 40. 0 0 100 200 300 400 500 600 700 800 900 100 0 3Q25 4Q25 1Q26 2Q26 3Q26 CIR·SG&A Expenses (%, KRW bn) Financial Highlights [Bank] 8.65 7.86 0.63 0.58 2025.9 2026.9 ROE ROA ROE·ROA (Consolidated) (%) +1.7%
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7 Loans (KRW tn) NPL Ratio∙Total Delinquency Ratio (%) Net Provision·CCR (KRW bn, %) BIS Ratio (Consolidated) (%) DPS·Dividend Payout Ratio (Bank) (KRW, %) 1.35 1.28 1.28 1.27 1.31 1.00 0.89 0.95 0.94 1.04 2025.9 2025.12 2026.3 2026.6 2026.9 NPL Delinquency 14.88 14.78 14.93 14.80 14.62 13.36 13.26 13.45 13.39 13.40 11.72 11.48 11.51 11.49 11.48 2025.9 2025.12 2026.3 2026.6 2026.9(p) BIS Tier 1 CET 1 Financial Highlights [Bank] Deposits (KRW tn) 189.0 202.0 101.9 102.7 321.8 332.6 2025.12 2026.9 SMIF Low Cost Funding CD, RP and Others +3.4% 261.9 272.0 315.6 326.2 2025.12 2026.9 SME Loan Retail, Large Corp. and Others +3.3% 960 984 1,065 1,048 210 31.2 32.5 35.0 35.0 0.0 5.0 10. 0 15. 0 20. 0 25. 0 30. 0 35. 0 40. 0 0 200 400 600 800 100 0 120 0 140 0 2022 2023 2024 2025 1H26 +3.9% +0.8% +6.9% 425 458 355 438 562 0.44 0.47 0.43 0.46 0.53 0.0 0 0.1 0 0.2 0 0.3 0 0.4 0 0.5 0 0.6 0 0 100 200 300 400 500 600 700 2025.9 2025.12 2026.3 2026.6 2026.9
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01 Financial Highlights 02 Profitability 03 Loan & Deposit 04 Asset Quality 05 Capital Adequacy 06 Appendix Table of Contents
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9 (KRW bn) Income Statement [Consolidated] Income Statement [Bank] Net Income Income Details (KRW bn) 3Q26 (YTD) 3Q25 (YTD) YoY% 3Q26 2Q26 QoQ% Interest Income 6,165.3 5,756.4 7.1 2,089.0 2,084.5 0.2 Non-Interest Income 624.5 620.8 0.6 380.6 146.2 160.3 SG&A Expenses 2,413.3 2,367.2 1.9 764.9 868.4 -11.9 Pre-Provision Operating Profit 4,376.5 4,010.0 9.1 1,704.7 1,362.3 25.1 Net Provision 1,497.6 1,081.8 38.4 673.4 447.3 50.5 Operating Income 2,878.9 2,928.2 -1.7 1,031.3 915.0 12.7 Net Non-Op. Income 90.3 63.3 42.6 32.5 16.9 92.3 Pretax Income 2,969.2 2,991.5 -0.7 1,063.8 931.9 14.2 Income Tax 755.1 731.8 3.2 292.6 242.4 20.7 Net Income 2,214.1 2,259.7 -2.0 771.2 689.5 11.8 (Controlling Interest) 2,200.1 2,248.6 -2.2 767.8 683.6 12.3 (KRW bn) 3Q26 (YTD) 3Q25 (YTD) YoY% 3Q26 2Q26 QoQ% Interest Income 5,749.0 5,361.0 7.2 1,979.8 1,918.4 3.2 Non-Interest Income 549.8 540.6 1.7 365.6 91.1 301.3 SG&A Expenses 2,271.1 2,260.7 0.5 722.9 815.4 -11.3 Pre-Provision Operating Profit 4,027.7 3,640.9 10.6 1,622.5 1,194.1 35.9 Net Provision 1,359.0 1,013.4 34.1 558.0 444.0 25.7 Operating Income 2,668.7 2,627.5 1.6 1,064.5 750.1 41.9 Net Non-Op. Income 21.0 13.5 56.0 22.7 -14.0 N.A Pretax Income 2,689.7 2,640.9 1.8 1,087.2 736.1 47.7 Income Tax 680.8 643.6 5.8 286.1 194.6 47.0 Net Income 2,008.9 1,997.3 0.6 801.1 541.5 47.9 670.1 388.5 666.3 541.5 801.1 751.1 459.2 753.4 689.5 771.2 3Q25 4Q25 1Q26 2Q26 3Q26 Bank Consolidated
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10 1.57 1.57 1.60 1.59 1.61 3Q25 4Q25 1Q26 2Q26 3Q26 (%) (Quarterly avg., KRW tn) NIM Interest Income Details Interest Earning Assets 312.0 316.6 319.8 324.5 326.5 58.4 58.5 58.6 58.9 60.1 397.2 403.3 408.0 416.6 421.4 3Q25 4Q25 1Q26 2Q26 3Q26 Loans in KRW Securities in KRW Others Interest Income [Bank] (KRW bn) 3Q26 (YTD) 3Q25 (YTD) YoY% 3Q26 2Q26 QoQ% Interest Revenue 12,502.712,151.3 2.9 4,377.7 4,148.4 5.5 Loans 9,914.9 9,771.9 1.5 3,463.0 3,287.5 5.3 Credit Card 403.8 385.4 4.8 139.8 135.1 3.5 (Credit Purchase) 370.2 350.8 5.5 128.1 124.0 3.3 Securities 1,520.1 1,426.8 6.5 537.6 502.4 7.0 Others 663.9 567.1 17.1 237.3 223.4 6.2 Interest Expense 6,753.7 6,790.3 -0.5 2,397.9 2,230.0 7.5 Deposits 1,313.8 1,391.9 -5.6 455.8 438.6 3.9 SMIF Bonds & etc. 5,439.9 5,398.4 0.8 1,942.1 1,791.4 8.4 Interest Income 5,749.0 5,361.0 7.2 1,979.8 1,918.4 3.2
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11 Non-Interest Income ∙ SG&A [Bank] (KRW bn) 138.3 180.3 93.1 91.1 365.6 3Q25 4Q25 1Q26 2Q26 3Q26 38.3 38.2 37.7 39.2 36.1 22.00 32.00 3Q25 4Q25 1Q26 2Q26 3Q26 (%) Non-Interest Income Non-Interest Income Details Cost-to-Income Ratio SG&A Expenses Details 1) Trust Income, Fee Expense, Credit Guarantee Fund Contribution, Deposit Insurance Premium, etc. (KRW bn) 3Q26 (YTD) 3Q25 (YTD) YoY% 3Q26 2Q26 QoQ% Net Non int. Income 549.8 540.6 1.7 365.6 91.1 301.3 Fee Income 477.6 482.9 -1.1 154.6 168.5 -8.2 Gain/Loss from F/X Transactions&Derivatives 268.6 199.6 34.6 327.9 1.9 N.A Securities related 516.8 563.9 -8.4 135.5 141.9 -4.5 Gain/Loss on Loan Disposal101.6 76.1 33.5 22.3 47.2 -52.8 Others 1) -814.8 -781.9 N.A -274.7 -268.4 N.A (KRW bn) 3Q26 (YTD) 3Q25 (YTD) YoY% 3Q26 2Q26 QoQ% SG&A Expenses 2,271.1 2,260.7 0.5 722.9 815.4 -11.3 Salaries 1,209.0 1,278.4 -5.4 387.3 447.9 -13.5 Admin. Expenses 1,062.2 982.3 8.1 335.7 367.5 -8.7 (Employee Welfare Fund) 33.5 61.2 -45.3 -28.3 0.0 N.A
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12 (KRW bn) (%) ▪ Before adjustments * Before adjustments (KRW bn) 3Q26 (YTD) 3Q25 (YTD) YoY% 3Q26 2Q26 QoQ% Bank 2,008.9 1,997.3 0.6 801.1 541.5 47.9 Subsidiaries 303.4 413.5 -26.6 47.2 104.3 -54.7 Key Subsidiaries 138.1 279.2 -50.5 -57.7 127.2 N.A IBK Capital 169.6 195.4 -13.2 43.2 80.4 -46.3 IBK Securities 24.0 46.1 -47.9 -6.3 16.6 N.A IBK Insurance -3.4 16.6 N.A -19.8 14.4 N.A IBK Savings Bank -3.9 -29.3 N.A 1.4 -4.0 N.A IBK AM 13.1 7.8 67.9 3.2 6.5 -50.8 IBK Venture Investment & Others 1) -1.4 8.1 N.A -2.1 1.0 N.A Overseas 2) -59.9 34.5 N.A -77.3 12.3 N.A SPC, Funds & Others 165.3 134.3 23.1 104.9 -22.9 N.A Adjustments -98.2 -151.1 N.A -77.1 43.7 N.A Con. Net Income 2,214.1 2,259.7 -2.0 771.2 689.5 11.8 (Controlling Interest) 2,200.1 2,248.6 -2.2 767.8 683.6 12.3 1) IBK System, IBK Credit Information, IBK Service 2) IBK China, IBK Indonesia, IBK Myanmar, IBK Poland, IBK Vietnam Income from Key Subsidiaries Net Income Contribution Consolidated Income Details Subsidiaries 123.2 56.7 151.9 104.3 47.2 3Q25 4Q25 1Q26 2Q26 3Q26 55.9% 7.9% 4.3% 31.9% IBK Capital IBK Securities IBK AM Others
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01 Financial Highlights 02 Profitability 03 Loan & Deposit 04 Asset Quality 05 Capital Adequacy 06 Appendix Table of Contents
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14 (KRW tn) (KRW bn) 2026.9 2026.6 QoQ% 2025.12 YTD% SME 272,003 270,000 0.7 261,879 3.9 Working Capital 132,675 132,193 0.4 127,915 3.7 CAPEX 139,328 137,807 1.1 133,963 4.0 Retail 43,746 43,230 1.2 43,294 1.0 Mortgage 1) 29,409 28,790 2.1 28,681 2.5 General 2) 14,337 14,440 -0.7 14,613 -1.9 Others 10,427 10,333 0.9 10,450 -0.2 Total 326,176 323,563 0.8 315,623 3.3 260.3 261.9 264.2 270.0 272.0 43.5 43.3 43.1 43.2 43.7 314.3 315.6 317.9 323.6 326.2 2025.9 2025.12 2026.3 2026.6 2026.9 SME Retail Others * SME loans include loans in FCY 83.4% 13.4% 3.2% SME Retail Others 1 ) Including KRW 287.2bn of non-transferred balance(as of Sep. 2026) 2) Including KRW 255.6bn of credit card loans(as of Sep. 2026) Loan Portfolio Loan Composition Loan Portfolio Details Total Loans [Bank]
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15 (KRW tn) 127.8 127.9 129.2 132.2 132.7 132.5 134.0 135.0 137.8 139.3 260.3 261.9 264.2 270.0 272.0 2025.9 2025.12 2026.3 2026.6 2026.9 Working Capital CAPEX 2026.9 2025.12 YTD (KRW bn) Amt.(A) (%) Amt.(B) (%) (A-B) (%p) Manufacturing 141,824 52.1 136,546 52.1 5,278 0.0 Textile〮Apparel〮Leather 7,661 2.9 7,417 2.8 244 0.1 Chemical Product 9,601 3.5 9,302 3.6 299 -0.1 Rubber〮PlasticProduct 12,633 4.6 12,172 4.7 462 -0.1 Basic· FabricatedMetal 28,132 10.3 27,122 10.3 1,010 0.0 Other Machinery 25,983 9.5 25,179 9.6 804 -0.1 Electronic Machinery 9,292 3.4 8,644 3.3 648 0.1 Comm. Devices 7,511 2.8 7,151 2.7 360 0.1 Automobiles 9,619 3.5 9,353 3.6 266 -0.1 Others 31,392 11.6 30,206 11.5 1,186 0.1 Wholesale & Retail 42,911 15.8 41,595 15.9 1,316 -0.1 Real Estate Lease 32,685 12.0 31,858 12.2 827 -0.2 Construction 8,221 3.0 7,674 2.9 547 0.1 Lodging & Dining 5,073 1.9 4,914 1.9 159 0.0 Others 41,289 15.2 39,291 15.0 1,998 0.2 Total 272,003 100.0 261,879 100.0 10,124 - * Including Loans in FCY SME Loan Portfolio SME Loans by Collateral SME Loans by Industry 70.0% 13.6% 16.4% Collateral Guarantee Paper Unsecured SME Loans [Bank]
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16 Total Deposits [Bank] * Monthly Average B/S Balance 1) Corp. Free Savings + Savings Deposit + Demand Deposit (excl. MMDA) 2) Money Trust (excl. Mutual Fund) (%) 2.55 2.74 2.99 3.22 3.54 2.49 2.59 2.83 2.98 3.56 3Q25 4Q25 1Q26 2Q26 3Q26 Retail Wholesale * 1-year SMIF bond issued during the quarter (KRW bn) 2026.9 2026.6 QoQ% 2025.12 YTD% Deposit 129,001 132,943 -3.0 129,159 -0.1 Core Deposit1) 88,084 90,525 -2.7 86,454 1.9 MMDA 14,579 16,454 -11.4 15,407 -5.4 Others (Time/Installment) 26,339 25,964 1.4 27,298 -3.5 CD, RP, Covered Bill 1,645 2,075 -20.7 3,659 -55.0 Small & Medium-sized Industry Financing Bond 201,989 199,366 1.3 188,995 6.9 Retail 97,344 97,518 -0.2 98,312 -1.0 Wholesale 104,645 101,848 2.7 90,683 15.4 Subtotal 332,635 334,384 -0.5 321,813 3.4 Trust2) 56,176 56,292 -0.2 53,065 5.9 Total Deposits 388,811 390,676 -0.5 374,878 3.7 Funding Trends (excl. Trust) (KRW tn) SMIF Bond Yield Deposit Portfolio Details Deposit Composition (excl. Trust) 29.3% 31.5% 30.9% 8.3% SMIF(Retail) SMIF(Wholesale) Low Cost Funding CD, RP and Others 183.7 189.0 189.9 199.4 202.0 101.7 101.9 103.0 107.0 102.7 317.0 321.8 322.5 334.4 332.6 25.9 25.12 26.3 26.6 26.9 SMIF Low Cost Funding CD, RP and Others
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01 Financial Highlights 02 Profitability 03 Loan & Deposit 04 Asset Quality 05 Capital Adequacy 06 Appendix Table of Contents
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18 Asset Quality [Bank] (%) 1.35 1.28 1.28 1.27 1.31 0.70 0.90 1.10 1.30 1.50 1.70 1.90 2025.9 2025.12 2026.3 2026.6 2026.9 (KRW bn) 444 902 475 703 315 351 336 318 380 367 795 1,238 793 1,083 683 3Q25 4Q25 1Q26 2Q26 3Q26 Sales Write-offs (KRW bn) 2026.9 2026.6 QoQ% 2025.12 YTD% Total Credit 344,748 344,351 0.1 334,335 3.1 Normal 344,101 334,203 0.0 324,389 3.0 Precautionary 6,139 5,770 6.4 5,663 8.4 Sub&Below 4,508 4,378 3.0 4,284 5.2 Substandard 3,626 3,441 5.4 3,356 8.1 Doubtful 209 283 -26.3 289 -27.8 Estimated Loss 673 654 2.9 639 5.4 NPL Ratio 1.31 1.27% 0.04%p 1.28% 0.03%p Loan Loss Allowance 4,510 4,418 2.1 4,613 -2.2 NPL Coverage Ratio 100.0% 100.9% -0.9%p 107.7% -7.7%p NPL(Substandard & Below) Ratio Loan Sales〮Write-offs Asset Quality Details
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19 Asset Quality [Bank] (%) 1.35 1.28 1.28 1.27 1.31 0.70 0.90 1.10 1.30 1.50 1.70 1.90 2025.9 2025.12 2026.3 2026.6 2026.9 (KRW bn) 444 902 475 703 315 351 336 318 380 367 795 1,238 793 1,083 683 3Q25 4Q25 1Q26 2Q26 3Q26 Sales Write-offs (KRW bn) 2026.9 2026.6 QoQ% 2025.12 YTD% Total Credit 344,748 344,351 0.1 334,335 3.1 Normal 344,101 334,203 0.0 324,389 3.0 Precautionary 6,139 5,770 6.4 5,663 8.4 Sub&Below 4,508 4,378 3.0 4,284 5.2 Substandard 3,626 3,441 5.4 3,356 8.1 Doubtful 209 283 -26.3 289 -27.8 Estimated Loss 673 654 2.9 639 5.4 NPL Ratio 1.31 1.27% 0.04%p 1.28% 0.03%p Loan Loss Allowance 4,510 4,418 2.1 4,613 -2.2 NPL Coverage Ratio 100.0% 100.9% -0.9%p 107.7% -7.7%p NPL(Substandard & Below) Ratio Loan Sales〮Write-offs Asset Quality Details
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20 Delinquency Ratio [Bank] (%) (%) 2025.9 2025.12 2026.3 2026.6 2026.9 Manufacturing 0.95 0.79 0.86 0.79 0.85 Construction 1.32 1.71 1.64 1.32 1.48 Real Estate Lease & Rental 1.16 0.87 1.28 1.54 1.99 Wholesale & Retail 1.08 1.02 1.07 1.11 1.18 Lodging & Dining 1.40 1.40 1.40 1.24 1.25 Delinquency Ratio by Industry Delinquency Ratio by Sector 1.00 0.89 0.95 0.94 1.04 1.03 0.91 0.98 0.98 1.10 0.66 0.61 0.58 0.53 0.50 0.20 0.40 0.60 0.80 1.00 2025.9 2025.12 2026.3 2026.6 2026.9 Total SME Retail
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21 Provision for Credit Losses [Bank] Credit Cost Ratio Provision for Credit Losses (YTD) (KRW bn, %) 2025.9 2025.12 2026.3 2026.6 2026.9 Total Provisions 1,101.3 1,558.8 354.7 793.1 1,355.4 Recurring Preemptive 1,101.3 - 1,558.8 - 354.7 - 793.1 - 1,269.6 85.8 Total Credit 332,789 334,335 337,941 344,351 344,748 Credit Cost Ratio (annualized) 0.44 0.47 0.43 0.46 0.53 (%) 0.44 0.47 0.43 0.46 0.53 0.49 2025.9 2025.12 2026.3 2026.6 2026.9 CCR Recurring CCR
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01 Financial Highlights 02 Profitability 03 Loan & Deposit 04 Asset Quality 05 Capital Adequacy 06 Appendix Table of Contents
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23 Capital Adequacy [Consolidated] 35.1 35.0 36.2 36.8 37.2 4.0 4.0 4.0 3.8 3.4 39.1 39.0 40.2 40.6 40.6 2025.9 2025.12 2026.3 2026.6 2026.9(p) Tier 1 Tier 2 BIS Capital Trends BIS Capital DetailsBIS Capital Adequacy Ratio (KRW tn) (KRW bn, %) 2026.9(p) 2026.6 2025.12 Tier 1 Capital 37,158 36,784 35,029 Common Equity Tier 1 Capital 31,836 31,568 30,318 Common Shares Issued 3,987 3,987 3,987 Capital Surplus 1,177 1,179 1,179 Retained Earnings 26,448 25,902 25,396 Other Comprehensive Income 590 1,058 986 Additional Tier 1 Capital 5,322 5,217 4,711 Tier 2 Capital 3,409 3,865 4,014 Subordinated Bonds 2,260 2,630 2,710 Provision for impairment 201 210 223 Others 948 1,025 1,081 Total BIS Capital 40,567 40,650 39,043 Risk-Weighted Assets 277,400 274,624 264,087 BIS Ratio 14.62 14.80 14.78 Tier 1 Ratio 13.40 13.39 13.26 CET 1 Ratio 11.48 11.49 11.48 14.88 14.78 14.93 14.80 14.62 13.36 13.26 13.45 13.39 13.40 11.72 11.48 11.51 11.49 11.48 2025.9 2025.12 2026.3 2026.6 2026.9(p) BIS Tier 1 CET 1 (%)
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01 Financial Highlights 02 Profitability 03 Loan & Deposit 04 Asset Quality 05 Capital Adequacy 06 Appendix Table of Contents
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25 Subsidiary Overview 3Q26 (KRW bn, %) Con. Bank Subsidiaries IBK Capital IBK Securities IBK Insurance IBK Savings Bank IBK Asset Mgmt. IBK CreditInfo IBK System IBK Service IBK Venture I n v e s t m e n t IBK China IBK Indonesia IBK Myanmar IBK Poland IBK Vietnam Total Assets (w/o Trust) 575,104 (518,713) 529,513 (472,655) 13,276 12,372 12,329 1,821 120 46 68 22 96 5,683 1,878 297 182 434 Equity 38,126 34,724 2,247 1,368 707 163 112 41 29 7 93 657 454 281 130 379 Net Income 2,214.1 2,008.9 169.6 24.0 -3.4 -3.9 13.1 3.6 -0.7 -2.2 -2.1 -63.9 14.7 3.9 -11.3 -3.3 Ownership - 100.0 100.0 87.8 100.0 100.0 100.0 100.0 55.6 100.0 100.0 100.0 91.5 100.0 100.0 100.0 FY25 (KRW bn, %) Con. Bank Subsidiaries IBK Capital IBK Securities IBK Insurance IBK Savings Bank IBK Asset Mgmt. IBK CreditInfo IBK System IBK Service IBK Venture Investment IBK China IBK Indonesia IBK Myanmar IBK Poland Total Assets (w/o Trust) 551,033 (500,693) 508,005 (457,158) 12,071 10,403 12,716 1,530 106 43 90 23 99 6,161 2,032 319 168 Equity 36,856 33,460 2,076 1,372 752 167 100 38 30 9 95 726 508 296 159 Net Income 2,718.9 2,385.8 245.6 57.5 11.1 -56.1 10.6 2.7 -4.5 0.4 -1.8 26.9 -47.7 4.2 -1.0 Ownership - 100.0 100.0 87.8 100.0 100.0 100.0 100.0 55.6 100.0 100.0 100.0 91.5 100.0 100.0
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26 Condensed Balance Sheet [Bank] (KRW bn) 2026.9 2026.6 QoQ% 2025.12 YTD% Total Assets 472,655 480,610 -1.7 457,158 3.4 Cash and due from Banks 10,374 16,665 -37.7 21,472 -51.7 Financial Assets 90,897 89,530 1.5 84,126 8.0 Loans* 356,637 356,736 0.0 337,718 5.6 Investment Properties 65 65 -0.3 67 -2.3 Property and Equipment 2,374 2,383 -0.4 2,394 -0.9 Other Assets 12,308 15,231 -19.1 11,381 8.3 Total Liabilities 437,931 446,378 -1.9 423,698 3.4 Deposits 155,678 159,668 -2.5 160,531 -3.0 SMIF Bonds 205,440 205,793 -0.2 193,349 6.3 Borrowings 45,565 45,085 1.1 44,156 3.2 Other Liabilities 31,248 35,833 -12.8 25,663 21.8 Total Capital 34,724 34,232 1.4 33,460 3.8 Trust Assets 56,858 54,920 3.5 50,847 11.8 Total Assets (inc. Trust) 529,513 535,530 -1.1 508,005 4.2 * Loans Receivable at Amortized Cost 32.9% 43.5% 9.6% 7.4% 6.6% Deposits SMIF Bonds Borrowings Total Capital Others 75.5% 19.2% 2.7% 2.6% Loans Financial Assets Cash & Tangibles Others Asset Composition Liability · Capital Composition