Slides
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3Q26 Business Results October 2026
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1. 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. 2. The consolidated financial information for 2022 and 2023 presented herein have been restated retrospectively based on the FSS’s response to inquiry on Korean IFRS17(K-IFRS) 3. From 4Q24, the Group applied accounting policies reflecting the Financial Supervisory Service’s response to inquiry on KoreanIFRS17, including expired contract and declared interest rate variance, and financial results for 2022, 2023, and financial results from 1Q24 to 3Q24 presented herein have been restated retrospectively. 4. From 3Q21, the Group applied accounting policy in accordance with the International Financial Reporting Interpretation Committee(IFRIC) agenda decision over K-IFRS No.1019(Employee benefits). However, please note that the financial information for the past period contained herein has not been restated retrospectively. 5. 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 September, 2020. 6. Former KB Life Insurance was merged with and into Prudential Life Insurance(the surviving entity) as of January 1, 2023, which had been renamed as “KB Life Insurance Co., Ltd.” prior to the merger. 7. On June 30, 2023, KB Financial Group sold 100% of the shares of KB Credit Information, a former first-tier subsidiary of the Group, to KB Kookmin Card. Consequently, KB Credit Information became a second-tier subsidiary of the Group. 8. From 4Q23, the Group applied Variable Fee Approach Model in accordance with Financial Supervisory Service’s guidelines on actuarial assumptions, and financial results from 1Q23 to 3Q23 presented herein have been restated retrospectively. 9. Total may not sum due to rounding. Disclaimer
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I. 3Q26 FinancialHighlights II. Financial Analysis III. Financial Details IV.Financial Highlights of Major Subsidiaries V. Appendix 01 05 12 17 22 CONTENTS
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01 3Q26 Financial Highlights Key Takeaways Overview
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1.47% 1.44% 1.51% 1.49% 1.59% 1.58% 1.55% 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 Ⅰ. 3Q26 Financial Highlights | Key Takeaways 1 Main Drivers Elevating Earnings Power to a New Level of Ⅰ Solid Risk-adjusted NIM 1) Stronger Risk-adjusted NIM backed by Prudent Profitability & Asset Quality Management 1) Risk-adjusted NIM = Net Interest Margin – Credit Cost Ratio Group Risk-adjusted NIM 2) Basedon YTD Cumulativefiguresfor each quarter (Cum. NIM – Cum. CCR) ○ Group Risk-adjusted NIM2) Driver Ⅰ Elevated to a Higher Base 1 Ⅱ Leveled-up Fee Income Strength Consistently Sustaining YoY Growth Underpinned by Strengthened Earnings Capacity Group Net Fee Income (bn won) ■ Group Net Fee Income(QuarterlyAvg)3) 3) Quarterly average of each year’s cumulative net fee income 879 918 962 1,025 1,363 '22 '23 '24 '25 3Q26 Driver Ⅱ Consistently Leveling Up Ⅲ Continuous CIR Improvements Ongoing Improvements Driven by Structural Cost Management and Efficient Resource Allocation Driver Ⅲ Structurally Enhanced Group Cost-to-Income Ratio 4) Figures from ’16 to ’21 have not been restated retrospectively under IFRS17 “All-Weather Fundamentals” ◇ Group CIR 48.8% 43.5% 40.4% '16~'25 '21~'25 '23~'25 37.2% 36.4% 3Q25 3Q26 10-Years Average 5-Years Average 3-Years Average (cumulative) (cumulative)
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Ⅰ. 3Q26 Financial Highlights | Key Takeaways 22 Reaffirmed Sustainable Growth Amid Rapid Market Shifts “All-Weather Fundamentals” Delivering Sustainable Growth Across Market Cycles ▤ QuarterlyAverageNet Profit(bn won) 1,346 1,459 1,465 1,707 1,931 3Q22 3Q23 3Q24 3Q25 3Q26 [Quarterly Average NetIncome (3Q YTD Basis] > “Clearly Proved a Stepped-up Earnings Power” 3Q25 YTD NetProfit 5,122bnwon 3Q26 YTD NetProfit 5,792bnwon YoY +13.1% Back-to-Back Rate Hikes Heightened KOSPI Volatility LoweredEquity TradingVolume1) ’26.6 ’26.7 ’26.8 2.50% 2.75% 3.00% ’26.3 ’26.6 ’26.9 1Q26 2Q26 3Q26 8,476pt 44tnwon 56tn won 35tn won 6,838pt 5,052pt Amid the sharpshifts throughout the year 1) Sum of daily average transaction amounts of KOSPI andKOSDAQ(Source: KRX) Unstoppable Resilient Fundamentals Backed by Complementary Earnings Power Across Bank and Non-Bank Businesses Delivered Sustainable Earnings GrowthAbsorbing External Market Shifts Rate Cycles Capital Markets’ Volatility (Domestic) [’25 - Present][’24][’22 - ’23] 60.1% 39.9% 63.0% 37.0% 59.9% 40.1% 66.8% 33.2% 68.6% 31.4% Sharp rise & Higher for longer GradualDecline Monetary Easing Sluggish Capital Markets Modest Recovery StrongRally → Increased Volatility Unpredictable & Ever-Changing Environment <OperatingEnvironment> Upward Shift & Accelerating rise ◐ Bank Contribution ◑ Non-Bank Contribution ▤ Group Gross Operating Income(bn won) ▤ Group Net Profit(bn won) 13,726 16,179 17,028 17,945 14,744 4,113 4,595 5,078 5,833 5,792 ’22 ’23 ’24 ’25 3Q26 (Cumulative)
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12.78 13.89 12.79 13.69 0.88 0.93 3Q25 (Cumulative) 3Q26 (Cumulative) 3Q26(Cumulative) Group Net Profit 5,792.1bn Group’s net profit expanded 13.1% YoY, underpinned by “All-Weather Fundamentals” amid rapidly changing market conditions Group Net Profit (bn won) YoY +13.1% Note 1) Based on profit attributable to controlling interests 2) 3Q26 non-recurring item(after tax) ∙ Decrease in tax by Bank and Card’s recognition of deferred tax assets, resulted by share disposalof each subsidiaries in relation to the establishment of an intermediate holding company in Indonesia (231bn won) Group ROE (%) YoY +1.11%p Ⅰ. 3Q26 Financial Highlights | Overview ● ROA ● ROE ● ROE(excl. non-recurring items) Note) ROE: Based on Return on Common Equity excluding hybrid securities, which represents profitability of common equity 8.76 9.13 9.74 10.84 10.26 11.52 10.78 11.86 0.57 0.64 0.68 0.75 2022 2023 2024 2025 4,410 4,113 4,595 5,078 5,833 2021 2022 2023 2024 2025 5,122 5,792 3Q25 (Cumulative) 3Q26 (Cumulative) YoY +13.1% 3
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3,576 1,068 681 332 154 -19 5,792 5,122 280 1,135 124 58 245 353 99 180 5,792 Net Profit by Subsidiaries& Non-Bank Contribution(bn won) Non-Bank 40% Group Net Profit Analysis (bn won) YoY +670bn Note 1) Net Profit: Based on profit attributable to controlling interests 2) Each earnings component: Based on ‘before tax’ amount Note 1) Net Profit: Based on each subsidiary’s profit attributable to controlling interests 2) Contribution: Based on simple arithmetic sum of each subsidiary’s net profit on the financial statements for group reporting excluding adjustment for consolidation, etc. Ⅰ. 3Q26 Financial Highlights | Overview Interest Income Tax expenses and others Insurance Income Fee & Commission Income Gains from Securities- related, Derivatives, FX, etc. Non- operating Income G&A Expenses Provision for credit Losses Bank GroupSecurities Insurance Card Life Insurance Others (Incl. adjustments for consolidation) 3Q26(Cumulative) Group Net Profit 5,792.1bn Differentiated & well-balanced portfolio proven by resilient NII growth and stronger non-interest income earnings capacity 3Q25 (Cumulative) 3Q26 (Cumulative) Non-Bank 40% Bank 60% 4
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02 Financial Analysis Net Interest Income Net Non-Interest Income G&A Expenses Provision for Credit Losses Capital Adequacy [Reference Item] Per Share Metrics
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● Total Growth(QoQ) ● Household Growth(QoQ) ● Corporate Growth(QoQ) ■ Household ■ Corporate 3Q26(Cumulative) Group Net Interest Income 9,985.3bn Maintained steady YoY increase of 2.9% on the back of solid corporate-led loan growth & Bank’s sound NIM management Group Net Interest Income YoY +2.9% Loans in Won Growth (tn won, %) Ⅱ. Financial Analysis | Net Interest Income (bn won %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ Interest Income 22,190.7 21,934.5 1.2 7,678.9 7,352.1 4.4 Loans 17,083.2 17,195.2 -0.7 5,866.5 5,660.0 3.6 Financial Investments 4,206.1 3,944.3 6.6 1,456.6 1,410.4 3.3 Others 901.4 795.0 13.4 355.8 281.7 26.3 Interest Expense 12,205.4 12,229.6 -0.2 4,171.9 4,208.6 -0.9 Deposits 6,765.3 6,942.8 -2.6 2,395.9 2,265.4 5.8 Debts & Debentures 3,646.0 3,620.0 0.7 1,282.3 1,211.6 5.8 Others1) 1,794.1 1,666.8 7.6 493.7 731.6 -32.5 Net Interest Income 9,985.3 9,704.9 2.9 3,507.0 3,143.5 11.6 Note 1) Includes interest expense on liabilities attributable to non-controlling interest related to valuation gains and losses on beneficiary certificates, consolidated funds, etc. (213.8bn won in 2Q26, -30.9bn won in 3Q26) 194 205 183 186 2025 '26.9 +3.5% 391377 0.9 1.4 0.9 0.5 0.4 1.6 1.5 1.3 0.9 0.7 0.8 △0.4 0.9 0.9 0.6 1.9 1.0 0.4 1.2 2.2 2.0 '25.3 '25.6 '25.9 '25.12 '26.3 '26.6 '26.9 NIM (%) ● Group NIM ● Bank NIM ◆ Group NIM(Cumulative) ◆ Bank NIM(Cumulative) 5 2.01 1.96 1.96 1.95 1.99 1.94 1.92 1.76 1.73 1.74 1.75 1.77 1.74 1.72 1.97 1.95 1.74 1.74 1Q25 2Q25 3Q25 4Q25 1Q26 2Q26 3Q26 • 3Q26 NIM slightly decreased mainly due to higher funding pressure caused by heightened funding market volatility driven by shifting money flows • Loan Assets’ repricing reflecting the rate hikes in Jul.26~Aug.26 expected to gradually take effect from 4Q26
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3Q26(Cumulative) Group Net Non-Interest Income 4,758.8bn Earnings capacity lifted-up to a new level recording YoY +27.3% driven by robust securities-related fee and trusts income Group Net Non-Interest Income YoY +27.3% Net Fee & Commission Income(bn won) Ⅱ. Financial Analysis | Net Non-Interest Income Note) Based on simple arithmetic sum of each subsidiary’s Net Fee & Commission Income on the financial statements for group reporting ● Bank ● Non-Bank (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ NetFee & Commission Income4,087.8 2,952.4 38.5 1,126.6 1,601.9 -29.7 Credit Card Fees 564.2 548.1 2.9 178.4 192.1 -7.1 Trusts 718.7 373.1 92.6 160.3 335.0 -52.1 Agent Activity Fees (Incl. Bancassurance) 132.3 177.8 -25.6 59.1 34.9 69.3 Securities Business 1,304.3 521.2 150.2 303.4 568.4 -46.6 Investment Finance Fees 82.6 97.5 -15.3 22.6 31.6 -28.5 Foreign CurrencyRelated Fees 294.2 219.4 34.1 82.9 109.5 -24.3 Lease Fees 869.0 808.0 7.5 295.6 295.1 0.2 Others 122.5 207.3 -40.9 24.3 35.3 -31.2 Net Other Operating Income 671.0 786.6 -14.7 3.0 376.4 -99.2 Securities-related, Derivatives, FX & Insurance Finance Income1,670.7 1,794.8 -6.9 295.5 816.6 -63.8 Insurance Income 1,230.7 1,173.1 4.9 475.0 412.1 15.3 Others (Incl. InsuranceFees on Deposits, Contribution Expenses)-2,230.4 -2,181.3 N.A. -767.5 -852.3 N.A. Net Non-Interest Income 4,758.8 3,739.0 27.3 1,129.6 1,978.3 -42.9 1,188 1,097 1,168 1,113 1,204 1,015 785 743 789 951 546 520 614 770 709 877 1,113 1,149 1,178 1,234 2021 2022 2023 2024 2025 3,626 3,515 3,674 3,850 4,098 867 1,070 642 1,484 515 545 928 989 3Q25 (Cum.) 3Q26 (Cum.) +38.5% 4,088 2,952 Fee Income Contribution ■ Bank ■ Securities ■ Card ■ Others(incl. adjustment for consolidation) 29.9% 70.1% 3Q25(Cumulative) 26.6% 73.4% 3Q26(Cumulative) 6
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● CIR ● CIR(excl. non-recurring items) 3Q26(Cumulative) Group G&A Expenses 5,360.4bn Ongoing efficiency efforts pushed CIR further down to 36.4% despite pressures from inflation and higher education taxes Group Cost Efficiency(CIR) (%) G&A Expenses (bn won) ■ Employee Benefits■ Depreciation & Amortization■ Administrative Expenses ■ Taxes & Others Ⅱ. Financial Analysis | G&A Expenses (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ Employee Benefits 3,238.9 3,022.1 7.2 982.1 1,173.2 -16.3 Salaries & Employee Benefits 2,407.1 2,219.4 8.5 735.4 850.5 -13.5 Post-employment Benefits 166.6 169.6 -1.8 53.8 57.3 -6.1 Others 665.2 633.1 5.1 192.9 265.4 -27.3 Depreciation & Amortization 658.8 675.2 -2.4 226.3 216.8 4.4 Tangible Assets 409.8 422.1 -2.9 143.1 133.0 7.6 Intangible Assets 249.0 253.0 -1.6 83.2 83.8 -0.7 Others 0.0 0.0 N.A. 0.0 0.0 N.A Administrative Expenses 1,064.6 1,061.5 0.3 366.8 348.4 5.3 Taxes & Others 398.1 248.9 59.9 130.8 151.1 -13.4 G&A Expenses 5,360.4 5,007.7 7.0 1,706.0 1,889.5 -9.7 49.7 48.4 41.1 40.7 39.446.3 44.6 37.5 39.1 38.0 2021 2022 2023 2024 2025 37.2 36.4 3Q25 (Cum.) 3Q26 (Cum.) △0.8%p 4,635 4,157 4,014 4,221 4,315 851 817 866 916 915 1,475 1,446 1,499 1,510 1,529 240 224 269 292 306 2021 2022 2023 2024 2025 7,201 6,644 6,647 6,939 7,065 3,022 3,239 675 659 1,062 1,064 249 398 3Q25 (Cum.) 3Q26 (Cum.) 5,008 5,360 +7.0% 7 Group Cumulative CIR 36.4% YoY △0.8%p
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3Q26(Cumulative) Group Provision for Credit Losses 1,576.3bn Conservative risk management delivered both provisions (YoY △5.9%) & CCR well under control on a stable level Group Provision for Credit Losses YoY △5.9% Provision for Credit Losses(bn won) Group CCR (%) ● CCR ● CCR(excl. non-recurring items) Provision for Credit Losses by Subsidiary(bn won) Ⅱ. Financial Analysis | Provision for Credit Losses Bank GroupSecurities Card Capital Savings Bank Others (incl. adjustments for consolidation) 332 -12 144 54 25 20 563 (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ Provisionfor Credit Losses 1,573.7 1,705.6 -7.7 558.2 516.1 8.2 Provision for Guarantees 0.3 -4.7 N.A. -1.1 1.7 N.A. Provision for Unused Commitments 0.9 -24.8 N.A. 6.0 1.9 215.8 Provision for Financial Guarantee Liabilities 1.4 -0.9 N.A. 0.2 0.1 100.0 Provision for Credit Losses1,576.3 1,675.2 -5.9 563.3 519.8 8.4 0.30 0.43 0.67 0.43 0.48 0.21 0.26 0.40 0.43 0.45 2021 2022 2023 2024 2025 0.46 0.40 0.43 0.38 3Q25 (Cum.) 3Q26 (Cum.) 2021 2022 2023 2024 2025 1,185 1,848 3,146 2,044 2,363 1,675 1,576 3Q25 (Cum.) 3Q26 (Cum.) △5.9% 8
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2026.9 Group BIS Ratio 16.02%, CET-1 Ratio 13.80% Continued industry-leading capital strength with strategic capital management & FX tailwinds despite asset growth and payouts Ⅱ. Financial Analysis | Capital Adequacy Group Capital Adequacy CET-1 Ratio QoQ +5bp Group Capital Ratio (Based on Basel Ⅲ, %) CET-1 Ratio Movement (Based on Basel Ⅲ, %, %p) (bn won, %, %p) ’26.9(E) ’26.6 QoQ ’25.12 YTD BIS Capital (A) 58,935.1 58,839.6 0.2 57,845.6 1.9 Tier1 Capital (B) 55,954.2 55,626.7 0.6 54,292.2 3.1 CET-1 Capital (C) 50,782.3 50,829.6 -0.1 49,353.4 2.9 Additional Tier1 Capital 5,171.9 4,797.1 7.8 4,938.8 4.7 Tier2 Capital 2,980.9 3,212.9 -7.2 3,553.4 -16.1 Risk-weighted Assets(D) 367,989.1 369,664.6 -0.5 356,995.7 3.1 BIS Ratio (A/D) 16.02% 15.92% 0.10%p 16.20% -0.18%p Tier1 Ratio (B/D) 15.21% 15.05% 0.16%p 15.21% 0.00%p CET-1 Ratio (C/D) 13.80% 13.75% 0.05%p 13.82% -0.02%p Note) Based on Basel Ⅲ ■ BIS Ratio ■ CET-1 Ratio 15.76 15.92 16.02 '26.3 '26.6 '26.9(E) 13.64 13.75 13.80 '26.3 '26.6 '26.9(E) 9 13.75 +0.52 +0.06 △0.11 △0.24 △0.18 13.80
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Group’s RWA Management Strategy Ⅱ. Financial Analysis | Capital Adequacy Group RWA(Risk-weighted Assets) (tn won, %) ■ RWA ● RWA Growth(%) Group RWA Movement (tn won) Strengthen Fundamentals through strategic allocation of resources ① Core Growth High RoRWA / High Strategic Value ② Strategic Focus Low RoRWA / High Strategic Value ④ Review Adjustments Low RoRWA / Low Strategic Value ③ Maintain High RoRWA / Low Strategic Value RoRWA Strategic Value √ HIGH HIGH 2026.9 Group BIS Ratio 16.02%, CET-1 Ratio 13.80% Continued industry-leading capital strength with strategic capital management & FX tailwinds despite asset growth and payouts 303 321 346 357 368 4.1 6.1 7.7 3.3 3.1 '22.12 '23.12 '24.12 '25.12 '26.9(E) 370 368 '26.6 '26.9(E) △0.5% 10 368 368 △3.7 1.6 0.4 ▪ Increase in equity & FX risks, etc. ▪ Increase in operating index, etc. ▪ Decrease in FX rates, etc. 370
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KB Financial Group Per Share Metrics DPS (won) ■ DPS Note 1) The financial results for 2021 have not been restated retrospectively under IFRS17 2) BPS : Total equity less non-controlling interest of total equity divided by the number of weighted average shares outstanding 3) TBPS : Total equity less non-controlling interest of total equity less identifiable intangible assets divided by the number of weighted average shares outstanding Common Shares Outstanding (thousands of shares) ■ Common Shares Outstanding Ⅱ. Financial Analysis | [Reference Item] Per Share Metrics EPS (won) BPS & TBPS (won) ■ EPS ■ BPS ■ TBPS Note 1) EPS : Profit attributable less dividends on hybrid securities divided by the weighted average number of common shares outstanding 2) The financial results for 2021 have not been restated retrospectively under IFRS17 121,808 134,801 147,626 152,836 161,604 113,425 130,031 142,546 147,644 157,199 2021 2022 2023 2024 2025 162,294 171,884 157,435 167,706 3Q25 (Cum.) 3Q26 (Cum.) 2,940 2,950 3,060 3,174 4,367 2021 2022 2023 2024 2025 930 1,167 3Q25 3Q26 +25.5% 362,152 348,346 '25.9 '26.9 389,634 389,634 378,664 373,601 358,588 2021 2022 2023 2024 2025 △3.8% 11 11,134 10,230 11,483 12,880 15,410 2021 2022 2023 2024 2025 13,531 15,983 3Q25 (Cum.) 3Q26 (Cum.) +18.1% +5.9%
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03 Financial Details P&L Overview Financial Position Overview Assets & Liabilities Asset Quality
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Ⅲ. Financial Details | P&L Overview Group Profit & Loss Overview (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ Net Interest Income 9,985.3 9,704.9 2.9 3,507.0 3,143.5 11.6 Net Fee & Commission Income 4,087.8 2,952.4 38.5 1,126.6 1,601.9 -29.7 Other Operating Profit 671.0 786.6 -14.7 3.0 376.4 -99.2 Gross Operating Profit 14,744.1 13,443.9 9.7 4,636.6 5,121.8 -9.5 G&A Expenses 5,360.4 5,007.7 7.0 1,706.0 1,889.5 -9.7 PPOP 9,383.7 8,436.2 11.2 2,930.6 3,232.3 -9.3 Provision for Credit Losses 1,576.3 1,675.2 -5.9 563.3 519.8 8.4 Net Operating Profit 7,807.4 6,761.0 15.5 2,367.3 2,712.5 -12.7 Net Non-Operating Profit -94.3 150.2 N.A. -18.1 20.2 N.A. Profit for the Period 5,840.1 5,101.9 14.5 1,913.1 2,010.5 -4.8 Profit attributable tocontrolling interests 5,792.1 5,121.7 13.1 1,907.5 1,992.2 -4.3 12
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Group Financial Position Overview Ⅲ. Financial Details | Financial Position Overview Note 1) Sum of assets of consolidated financial statement and AUM (tn won, %) 2026.9 2026.6 QoQ 2025.12 YTD Assets 851.5 866.9 -1.8 797.9 6.7 Cash & Due from Financial Institutions 47.1 44.6 5.6 34.8 35.3 FVTPL Assets 94.6 100.5 -5.9 89.9 5.2 Financial Investments 135.7 137.2 -1.1 135.0 0.5 Loans 510.2 505.4 0.9 492.0 3.7 Property & Equipment 9.2 8.8 4.5 8.6 7.0 Other Assets 54.7 70.4 -22.3 37.6 45.5 Liabilities 788.8 804.2 -1.9 737.1 7.0 FVTPL Liabilities 11.7 11.5 1.7 11.3 3.5 Deposits 495.5 486.3 1.9 462.4 7.2 Debts 69.9 77.9 -10.3 70.7 -1.1 Debentures 82.4 80.5 2.4 80.0 3.0 Other Liabilities 129.3 148.0 -12.6 112.7 14.7 (tn won, %) 2026.9 2026.6 QoQ 2025.12 YTD Shareholder’s Equity 62.6 62.7 -0.2 60.8 3.0 Share Capital 2.1 2.1 0.0 2.1 0.0 Hybrid Securities 4.6 4.2 9.5 4.4 4.5 Capital Surplus 9.1 9.1 0.0 16.6 -45.2 Accumulated Other Comprehensive Income -1.5 -0.5 N.A. -0.5 N.A. Retained Earnings 47.6 46.1 3.3 38.3 24.3 Treasury Shares -1.1 -0.1 N.A. -1.9 N.A. Non-Controlling Interests 1.8 1.8 0.0 1.8 0.0 Group Total Assets1) 1,683.6 1,719.6 -2.1 1,516.4 11.0 AUM2) 832.1 852.7 -2.4 718.5 15.8 2) From 2026, the Group revised its AUM calculation methodology (including incorporation of retirement pension and entrusted assets, etc.), and the figures for 2025 presented above have been restated retrospectively 13
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Note 1) Sum of Core Deposits and MMDA Assets & Liabilities (1) Bank QoQ YTD (tn won, %) 2026.9 2026.6 Amt. (%) 2025.12 Amt. (%) Bank Loans in Won 390.9 385.1 5.8 1.5 377.5 13.4 3.5 Household 186.1 184.4 1.7 0.9 183.4 2.7 1.5 Mortgage 115.6 114.1 1.5 1.3 113.3 2.3 2.0 General 70.5 70.3 0.2 0.3 70.1 0.4 0.6 Corporate 204.8 200.7 4.1 2.0 194.1 10.7 5.5 SME 153.8 152.4 1.4 0.9 149.8 4.0 2.7 [SOHO] 94.6 94.3 0.3 0.3 94.4 0.2 0.2 Large Corp., etc. 51.0 48.3 2.7 5.6 44.3 6.7 15.1 Bank Deposits & Debentures in Won 441.1 432.0 9.1 2.1 418.4 22.7 5.4 Deposits 418.1 411.3 6.8 1.7 395.5 22.6 5.7 Demand Deposits1) 168.1 176.8 -8.7 -4.9 161.3 6.8 4.2 Time & Savings 235.8 215.5 20.3 9.4 220.4 15.4 7.0 [Time Deposits] 221.2 201.0 20.2 10.0 206.5 14.7 7.1 CD, RP, etc. 14.2 19.0 -4.8 -25.3 13.8 0.4 2.9 Debentures 23.0 20.7 2.3 11.1 22.9 0.1 0.4 Ⅲ. Financial Details | Assets & Liabilities (1) Bank 14
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Assets & Liabilities (2) Card QoQ YTD (tn won, %) 2026.9 2026.6 Amt. (%) 2025.12 Amt. (%) Card Assets 28.9 28.0 0.9 3.2 27.7 1.2 4.3 Credit Card 24.0 23.1 0.9 3.9 23.2 0.8 3.4 Credit Sales 16.7 15.6 1.1 7.1 15.9 0.8 5.0 [Installments] 6.9 6.4 0.5 7.8 6.5 0.4 6.2 Card Loans 6.4 6.5 -0.1 -1.5 6.4 0.0 0.0 Cash Advance 0.9 1.0 -0.1 -10.0 0.9 0.0 0.0 Installment Financing, etc. 4.9 4.9 0.0 0.0 4.5 0.4 8.9 Card Funding 22.3 22.0 0.3 1.4 21.8 0.5 2.3 Borrowings 4.2 4.8 -0.6 -12.5 4.3 -0.1 -2.3 Debentures 15.2 14.1 1.1 7.8 14.7 0.5 3.4 ABS 2.9 3.1 -0.2 -6.5 2.8 0.1 3.6 Ⅲ. Financial Details | Assets & Liabilities (2) Card 15
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Group Asset Quality Group Provision for Loan Losses & Credit Cost Ratio Note) Based on simple arithmetic sum of each subsidiary (excl. overseas local subsidiaries, overseas equity investments, SPCs for consolidation, etc.) Asset Quality (bn won, %) 2026.9 2026.6 QoQ 2026.3 2025.12 2025.9 YoY Total Loans for NPL Classification 500,737.1 499,486.1 0.3 490,495.5 484,213.7 478,625.7 4.6 Precautionary 3,924.9 4,142.8 -5.3 3,878.6 4,163.5 4,182.2 -6.2 Substandard 1,735.7 1,649.6 5.2 1,794.7 1,378.4 1,542.9 12.5 Doubtful 883.6 903.7 -2.2 978.0 1,010.6 1,293.3 -31.7 Estimated Loss 848.9 806.2 5.3 807.2 673.8 498.5 70.3 Substandard & Below Loans(NPL) (A) 3,468.2 3,359.5 3.2 3,579.9 3,062.8 3,334.6 4.0 NPL Ratio 0.69% 0.67% 0.02%p 0.73% 0.63% 0.70% -0.01%p Loan Loss Reserves (B) 4,482.9 4,548.3 -1.4 4,550.5 4,543.1 4,447.7 0.8 NPL Coverage Ratio I (B/A) 129.3% 135.4% -6.1%p 127.1% 148.3% 133.4% -4.1%p Reserves for Credit Losses (C) 3,281.6 3,211.4 2.2 3,170.3 3,061.0 3,104.4 5.7 NPL Coverage Ratio II [(B+C)/A)] 223.9% 231.0% -7.1%p 215.7% 248.3% 226.5% -2.6%p (bn won, %) 3Q26 2Q26 1Q26 4Q25 3Q25 2Q25 1Q25 Provision for Loan Losses (Quarter) 541.7 468.4 478.3 633.8 365.8 645.4 624.8 Group CCR (Quarter) 0.43% 0.38% 0.40% 0.52% 0.30% 0.55% 0.54% Group CCR (Cumulative) 0.40% 0.39% 0.40% 0.48% 0.46% 0.54% 0.54% Ⅲ. Financial Details | Assets Quality 16
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04 Financial Highlights of Major Subsidiaries KB Kookmin Bank KB Securities KB Insurance KB Kookmin Card KB Life Insurance
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IV. Financial Highlights of Major Subsidiaries | KB Kookmin Bank KB Kookmin Bank Profitability Overview1) Key Financial Indicators 3Q26 NIM 1.72% 3Q26 CCR (Cum.) 16bp 3Q26 CIR (Cum.) 38.3% 3Q26 ROE (Cum.) 12.23% Profit for 3Q26 (Cum.) 3,576.3bn Financial Highlights Note 1) Based on separate financial statementsNote 1) Based on financial statements for group reporting 2) Profit attributable to controlling interests (bnwon, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ Net InterestIncome 8,348.9 7,887.4 5.9 2,837.0 2,744.3 3.4 Net Fee & Commission Income 1,069.9 866.5 23.5 289.1 407.8 -29.1 Other Operating Income -646.8 -255.3 N.A. -131.1 -247.7 N.A. GrossOperating Income 8,772.0 8,498.6 3.2 2,995.0 2,904.4 3.1 G&A Expenses 3,363.9 3,272.9 2.8 1,090.4 1,197.8 -9.0 PPOP 5,408.1 5,225.7 3.5 1,904.6 1,706.6 11.6 Provision for Credit Losses 704.6 706.5 -0.3 331.5 201.1 64.8 NetOperating Profit 4,703.5 4,519.2 4.1 1,573.1 1,505.5 4.5 NetNon-Operating Profit -127.7 -29.0 N.A. -24.1 3.6 N.A. Profit for the Period2) 3,576.3 3,364.5 6.3 1,350.9 1,124.4 20.1 (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ NIM 1.74% 1.74% 0.00%p 1.72% 1.74% -0.02%p Asset Quality1) Total Loans for NPL Classification 429,840.2 412,652.3 4.2 429,840.2 428,902.5 0.2 Precautionary 1,877.8 1,771.7 6.0 1,877.8 1,918.4 -2.1 Substandard 867.8 843.1 2.9 867.8 805.5 7.7 Doubtful 178.2 382.1 -53.4 178.2 159.2 11.9 Estimated Loss 247.4 225.8 9.5 247.4 248.9 -0.6 NPLRatio 0.30% 0.35% -0.05%p 0.30% 0.28% 0.02%p NPL Coverage Ratio Ⅰ 191.4% 174.0% 17.4%p 191.4% 197.3% -5.9%p NPL Coverage Ratio Ⅱ 379.6% 330.4% 49.2%p 379.6% 397.4% -17.8%p Delinquency Ratio 0.29% 0.34% -0.05%p 0.29% 0.27% 0.02%p CCR 0.16% 0.18% -0.02%p 0.20% 0.16% 0.04%p 17
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KB Securities Institutional StockM/S No.1, 12.7% Retail AUM 263.9tn 3Q26 ROE (Cum.) 17.67% Profit for 3Q26 (Cum.) 1,067.5bn IV. Financial Highlights of Major Subsidiaries | KB Securities Financial Highlights Profitability Overview1) Key Financial Indicators League Table (Bloomberg) DCM No.1 Note 1) Based on financial statements for group reporting 2) Profit attributable to controlling interests (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ GrossOperating Income 2,522.2 1,598.9 57.7 669.1 1,003.5 -33.3 WM 1,494.7 728.9 105.1 350.2 637.8 -45.1 IB 221.0 374.9 -41.1 89.3 64.0 39.5 S&T 595.1 334.5 77.9 160.9 250.2 -35.7 Others 211.4 160.6 31.6 68.7 51.5 33.4 G&A Expenses 1,055.1 795.3 32.7 301.8 377.9 -20.1 PPOP 1,467.1 803.6 82.6 367.3 625.6 -41.3 Provision for CreditLosses 38.0 141.3 -73.1 -11.8 26.9 N.A. Net Operating Profit 1,429.1 662.3 115.8 379.1 598.7 -36.7 Net Non-OperatingProfit 37.9 6.0 531.7 11.6 8.0 45.0 Profit for the Period2) 1,067.5 496.7 114.9 271.2 448.5 -39.5 (tn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ Retail AUM 263.9 205.2 28.6 263.9 289.5 -8.8 Brokerage 183.6 125.0 46.9 183.6 212.3 -13.5 WM 80.3 80.2 0.1 80.3 77.2 4.0 Bonds 36.7 38.1 -3.7 36.7 37.8 -2.9 Trusts 23.3 32.5 -28.4 23.3 26.1 -10.7 Funds 12.5 5.5 127.8 12.5 5.0 150.0 ELS/DLS/ISA 7.8 4.1 89.8 7.8 8.3 -6.0 Domestic Market Trading Volume (Retail) 17,337.4 5,867.0 195.5 4,119.6 7,558.1 -45.5 KB Contracted Amount 1,234.6 400.9 208.0 275.2 542.8 -49.3 KB M/S (Retail) 7.1% 6.8% 0.3%p 6.7% 7.2% -0.5%p Institutional Market Trading Volume 2,763.3 734.9 276.0 878.0 1,203.9 -27.1 KB Contracted Amount 352.0 67.9 418.4 108.4 158.1 -31.4 KB M/S 12.7% 9.2% 3.5%p 12.3% 13.1% -0.8%p 18
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KB Insurance CSM 10,897.4bn K-ICS 187.9% 3Q26 ROA (Cum.) 2.03% 3Q26 ROE (Cum.) 15.26% Profit for 3Q26 (Cum.) 681.1bn IV. Financial Highlights of Major Subsidiaries | KB Insurance Financial Highlights Profitability Overview Key Financial Indicators Note 1) Based on separate financial statements 2) Profit attributable to controlling interests (Based on financial statements for group reporting) Note 1) Preliminary 2) Based on IFRS4 for reference only (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ Insurance Income 742.1 655.9 13.1 301.5 257.8 17.0 Long Term 741.1 682.2 8.6 291.9 230.8 26.5 CSM Amortization 695.1 641.2 8.4 242.4 238.4 1.7 General 48.6 18.0 170.0 21.4 37.8 -43.4 Auto -47.6 -44.2 N.A. -11.8 -10.9 N.A. Investment Income 224.0 394.2 -43.2 -31.6 127.4 N.A. Investment Revenue 738.7 922.5 -19.9 142.6 311.5 -54.2 Insurance Finance Expense 514.7 528.2 -2.6 174.2 184.1 -5.4 Profit for the Period2) 681.1 766.9 -11.2 202.3 278.1 -27.3 (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ K-ICS 187.9%1) 191.2% -3.3%p 187.9%1) 187.5% 0.4%p CSM 10,897.4 9,393.9 16.0 10,897.4 10,721.6 1.6 New BusinessCSM 1,188.2 1,250.7 -5.0 374.2 396.6 -5.6 CSMAmortization -695.1 -641.2 N.A. -242.4 -238.4 N.A. DiscountUnwind, etc. 1,119.3 -36.0 N.A. 44.0 1,085.9 -95.9 Asset Portfolio 42,112.6 40,467.2 4.1 42,112.6 41,877.2 0.6 Cash & Due 1,797.6 803.1 123.8 1,797.6 1,370.1 31.2 Securities 29,371.1 31,001.4 -5.3 29,371.1 29,793.9 -1.4 Loans 10,579.0 8,285.5 27.7 10,579.0 10,345.0 2.3 Real Estate 365.0 377.2 -3.2 365.0 368.2 -0.9 Loss Ratio2) 82.2% 81.6% 0.6%p 81.6% 81.9% -0.3%p Long Term 82.4% 80.7% 1.7%p 82.1% 83.2% -1.1%p General 71.3% 77.7% -6.4%p 64.6% 65.0% -0.4%p Auto 85.0% 85.4% -0.4%p 85.7% 83.3% 2.4%p 19
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KB Kookmin Card Card Transaction Vol. 142.6tn Active Customers 10,431K Card Assets 28.9tn 3Q26 ROE (Cum.) 7.83% Profit for 3Q26 (Cum.) 331.7bn IV. Financial Highlights of Major Subsidiaries | KB Kookmin Card Financial Highlights Profitability Overview1) Key Financial Indicators Note 1) Based on separate financial statementsNote 1) Based on financial statements for group reporting 2) Profit attributable to controlling interests (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ OperatingRevenue 4,139.3 4,097.8 1.0 1,375.4 1,392.6 -1.2 Card 3,350.9 3,310.9 1.2 1,140.4 1,109.0 2.8 Installments & Lease 235.2 212.4 10.7 77.9 79.1 -1.5 Others 553.2 574.6 -3.7 157.1 204.5 -23.2 OperatingExpense 2,755.1 2,740.9 0.5 970.7 925.9 4.8 InterestExpense 590.3 588.5 0.3 208.5 195.3 6.8 Commission & Other 2,164.8 2,152.4 0.6 762.2 730.6 4.3 Gross Operating Income 1,384.2 1,356.9 2.0 404.7 466.7 -13.3 G&A Expenses 425.5 432.1 -1.5 139.9 142.9 -2.1 PPOP 958.7 924.8 3.7 264.8 323.8 -18.2 Provision for Credit Losses 537.1 547.8 -2.0 143.5 174.8 -17.9 Net Operating Income 421.6 377.0 11.8 121.3 149.0 -18.6 Net Non-Operating Income -2.9 -3.6 N.A. 0.5 -3.0 N.A. Profit for the Period2) 331.7 280.6 18.2 112.8 111.4 1.3 (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ Card Transaction Volume142,627.3 135,911.3 4.9 49,110.2 47,521.7 3.3 Credit Card 113,632.7 107,939.4 5.3 39.097.3 37,908.4 3.1 Check Card 28,994.6 27,971.9 3.7 10.012.9 9,613.3 4.2 Asset Quality1) Total Loans for NPL Classification 29,841.8 28,270.4 5.6 29,841.8 28,901.7 3.3 Precautionary 1,102.3 1,240.7 -11.2 1,102.3 1,133.9 -2.8 Substandard 0.1 0.2 -49.9 0.1 0.8 -87.5 Doubtful 168.2 206.1 -18.4 168.2 172.5 -2.5 Estimated Loss 129.1 106.3 21.4 129.1 95.6 35.0 NPL Ratio 1.00% 1.11% -0.11%p 1.00% 0.93% 0.07%p NPL Coverage Ratio Ⅰ 253.3% 267.2% -13.9%p 253.3% 300.6% -47.3%p NPL Coverage Ratio Ⅱ 449.2% 463.1% -13.9%p 449.2% 505.5% -56.3%p Delinquency Ratio 1.02% 1.21% -0.19%p 1.02% 1.07% -0.05%p 20
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KB Life Insurance K-ICS 222.8% New Contract APE 552.6bn CSM 3,699.4bn 3Q26 ROE (Cum.) 6.88% Profit for 3Q26 (Cum.) 210.6bn IV. Financial Highlights of Major Subsidiaries | KB Life Insurance Financial Highlights Profitability Overview1) Key Financial Indicators Note 1) Based on separate financial statements Note 1) Preliminary (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ Insurance Income 201.3 215.8 -6.7 73.7 61.4 20.0 CSM Income 259.1 219.9 17.8 88.4 88.8 -0.5 RA Change 34.7 27.2 27.6 12.6 10.8 16.7 Variances -36.4 9.5 N.A. -7.9 -17.4 N.A. Others -56.0 -40.7 N.A. -19.3 -20.8 N.A. Investment Income 64.4 145.2 -55.6 3.0 38.8 -92.3 Investment Revenue 2,759.3 1,796.7 53.6 -325.8 2,107.2 N.A. Investment Expenses 2,694.9 1,651.5 63.2 -328.8 2,068.4 N.A. Profit for the Period 210.6 254.8 -17.3 60.0 70.8 -15.3 (bn won, %) 3Q26 (Cumulative) 3Q25 (Cumulative) YoY 3Q26 2Q26 QoQ K-ICS 222.8%1) 253.5% -30.7%p 222.8%1) 223.4% -0.6%p CSM 3,699.4 3,195.0 15.8 3,699.4 3,714.1 -0.4 New Business CSM 441.2 383.2 15.1 158.5 141.2 12.3 CSM Amortization -259.1 -219.9 N.A. -88.4 -88.8 N.A. DiscountUnwind, etc. 253.5 21.2 1,095.8 -84.8 220.8 N.A. Asset Portfolio 32,827.8 35,164.7 -6.6 32,827.8 34,130.0 -3.8 Cash & Due 1,072.4 932.6 15.0 1,072.4 854.4 25.5 Securities 30,534.2 33,002.7 -7.5 30,534.2 32,165.0 -5.1 Loans 912.9 998.2 -8.5 912.9 855.2 6.7 Real Estate 308.3 231.2 33.3 308.3 255.4 20.7 Mortality Margin 120.5 139.1 -13.4 33.8 44.4 -23.9 Loss Ratio 66.9% 60.2% 6.7%p 72.5% 63.3% 9.2%p 21
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05 Appendix Overview of Group Subsidiaries Condensed Income Statement by Subsidiaries Group Digital
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(bn won, %) Ownership Total Assets Shareholder’s Equity Profit for the Period2) ROA ROE KB Kookmin Bank 100.0% 627,353.9 39,685.6 3,576.3 0.78% 12.23% KB Securities 100.0% 87,692.4 9,384.4 1,067.5 1.61% 17.67% KB Insurance 100.0% 44,806.5 6,093.6 681.1 2.03% 15.26% KB Kookmin Card 100.0% 31,511.5 5,782.3 331.7 1.46% 7.83% KB Life Insurance 100.0% 33,722.6 4,038.0 210.6 0.82% 6.88% KB Asset Management 100.0% 569.3 439.7 105.3 24.74% 34.75% KB Capital 100.0% 18,449.2 2,680.5 202.8 1.47% 10.23% KB Real Estate Trust 100.0% 1,274.7 386.3 -149.9 N.A. N.A. KB Savings Bank 100.0% 2,413.4 157.4 -19.8 N.A. N.A. KB Investment 100.0% 1,744.4 352.7 10.9 0.84% 4.14% KB Data Systems 100.0% 89.2 35.5 5.6 8.78% 23.00% V. Appendix Note 1) Based on each subsidiary’s financial statements for group reporting (Except KB Life Insurance which is based on separate financial statements) 2) Based on profit attributable to controlling interests Overview of Group Subsidiaries1) (3Q26 Cumulative) 22
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Note 1) Based on each subsidiary’s financial statements for group reporting (Except KB Life Insurance which is based on separate financial statements) 2) Based on profit attributable to controlling interests Group Condensed Income by Subsidiary1) V. Appendix 3Q26 (Cumulative) (bn won, %) Group KB Kookmin Bank KB Securities KB Insurance KB Kookmin Card KB Life Insurance KB Asset Management KB Capital Net Interest Income 9,985.3 8,348.9 478.9 -22.9 1,144.4 44.4 -6.6 302.3 Net Fee & Commission Income 4,087.8 1,069.9 1,483.6 -25.6 545.4 27.6 202.6 682.2 Other Operating Income 671.0 -646.8 559.7 1,121.0 -305.6 299.5 23.3 -428.6 Gross Operating Income 14,744.1 8,772.0 2,522.2 1,072.5 1,384.2 371.5 219.3 555.9 G&A Expenses 5,360.4 3,363.9 1,055.1 117.2 425.5 119.5 79.5 125.1 PPOP 9,383.7 5,408.1 1,467.1 955.3 958.7 252.0 139.8 430.8 Provision for Credit Losses 1,576.3 704.6 38.0 20.1 537.1 1.7 0.3 166.8 Net Operating Profit 7,807.4 4,703.5 1,429.1 935.2 421.6 250.3 139.5 264.0 Net Non-Operating Profit -94.3 -127.7 37.9 4.7 -2.9 13.9 3.5 6.5 Profit for the Period2) 5,792.1 3,576.3 1,067.5 681.1 331.7 210.6 105.3 202.8 3Q25 (Cumulative) (bn won, %) Group KB Kookmin Bank KB Securities KB Insurance KB Kookmin Card KB Life Insurance KB Asset Management KB Capital Net Interest Income 9,704.9 7,887.4 489.2 -16.3 1,217.7 86.3 -7.6 341.5 Net Fee & Commission Income 2,952.4 866.5 642.4 -28.7 515.4 9.8 172.5 645.1 Other Operating Income 786.6 -255.3 467.3 1,204.2 -376.2 361.7 41.5 -449.8 Gross Operating Income 13,443.9 8,498.6 1,598.9 1,159.2 1,356.9 457.8 206.4 536.8 G&A Expenses 5,007.7 3,272.9 795.3 112.0 432.1 115.2 75.2 120.2 PPOP 8,436.2 5,225.7 803.6 1,047.2 924.8 342.6 131.2 416.6 Provision for Credit Losses 1,675.2 706.5 141.3 8.3 547.8 1.6 1.5 169.8 Net Operating Profit 6,761.0 4,519.2 662.3 1,038.9 377.0 361.0 129.7 246.8 Net Non-Operating Profit 150.2 -29.0 6.0 4.5 -3.6 -0.6 0.4 9.7 Profit for the Period2) 5,121.7 3,364.5 496.7 766.9 280.6 254.8 96.7 194.5 23
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Note 1) Based on internal data 2) Finance : KB Star Banking, KB Star Corp. Banking, KB StarTeens, M-able, M-able Wide, KB Insurance, KB Pay, KB Kookmin Business Card, KB Life Insurance, kiwibank Non-Finance : Real Estate(KB Real Estate), Automobile(KB ChaChaCha), Health Care(O’care), Telecommunication(Liiv M), Travel/Shopping, KB Wallet 3) KB Star Banking & KB Pay : Number of member log-ins per month, M-able : Monthly averaged number of member log-ins for 12 months Group Digital1) V. Appendix (thousands of users, %) 2026.9 2026.6 QoQ 2025.12 YTD 2025.9 YoY Group Platform MAU2) Group 33,209 33,749 -1.6 34,429 -3.5 33,912 -2.1 Finance 28,555 28,740 -0.6 28,379 0.6 28,444 0.4 Non-Finance 4,655 5,009 -7.1 6,050 -23.1 5,468 -14.9 Signature Platform MAU3) KB Star Banking (Bank) 13,953 14,060 -0.8 14,162 -1.5 13,789 1.2 KB Pay (Card) 8,993 9,075 -0.9 9,134 -1.5 9,622 -6.5 M-able (Securities) 2,348 2,374 -1.1 1,970 19.2 1,890 24.2 Digital Channel Sales Bank 75% 73% 2%p 72% 3%p 72% 3%p Securities 95% 95% 0%p 95% 0%p 95% 0%p Card 63% 62% 1%p 58% 5%p 57% 6%p KB Kookmin Certificate Users 18,053 17,922 0.7 17,531 3.0 17,193 5.0 24