KB Financial Group Inc. (KB) Balance Sheet
KB balance sheet, 2025
December 31, 2025 · South Korean won₩797.92T assets = −₩61.37T liabilities + ₩859.29T equity
Both columns are drawn to the same scale: what KB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
KB financial health
Debt / equity2.46
High leverage · ₩2.46 of debt for each $1 of equity
Cash / debt89.9%
Partial cover · cash & short-term investments vs total debt
Goodwill & intangibles0.3%
Mostly tangible · of total assets
Descriptive bands, not a rating. Fiscal 2025.
KB balance sheet trends, 2016–2025
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | ₩375.67T2016 | ₩797.92T2025 | +8.7%/yr | |
| Total liabilities | ₩344.41T2016 | −₩61.37T2025 | — | |
| Shareholders’ equity | ₩31.00T2016 | ₩61.37T2025 | +7.9%/yr | |
| Cash & short-term investments | ₩19.12T2016 | ₩135.57T2025 | +24.3%/yr | |
| Total debt | ₩64.19T2016 | ₩150.78T2025 | +10.0%/yr | |
| Net cash (debt) | −₩45.07T2016 | −₩15.21T2025 | +₩29.9T | |
| Working capital | −₩242.19T2016 | −₩315.09T2024 | −₩72.9T | |
| Debt / equity | 2.072016 | 2.462025 | +0.39 | |
| Shares outstanding | 385.6M2016 | 382.2M2025 | −0.1%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
KB assets
Cash & ST investmentsReceivablesInventoryOther currentPP&EGoodwill & intangiblesLT investmentsOther non-current
KB liabilities and equity
Current liabilitiesLong-term debtOther long-term liabilitiesEquity
KB debt vs cash
Total debtCash & ST investmentsNet cash (debt)
Debt includes short- and long-term borrowings and, where reported, lease obligations.
KB balance sheet in South Korean won
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | ₩135.57T | ₩124.69T | ₩113.29T | ₩90.36T | ₩92.43T | ₩88.54T | ₩68.05T | ₩21.46T | ₩21.03T | ₩19.12T |
| Cash & equivalents | ₩35.65T | ₩30.79T | ₩30.79T | ₩32.06T | ₩32.05T | ₩26.71T | ₩21.99T | ₩21.46T | ₩21.03T | ₩19.12T |
| Short-term investments | ₩99.92T | ₩93.90T | ₩82.50T | ₩58.30T | ₩60.38T | ₩61.83T | ₩46.06T | ₩0 | ₩0 | ₩0 |
| Receivables | ₩0 | ₩12.57T | ₩14.44T | ₩204.69B | ₩8.75T | ₩12.47T | ₩7.47T | ₩6.45T | ₩8.05T | ₩5.72T |
| Inventory | ₩0 | ₩0 | −₩40.27T | −₩51.98T | −₩44.80T | −₩44.46T | −₩32.07T | −₩30.56T | −₩91.08T | −₩79.67T |
| Other current assets | — | ₩654.35B | ₩40.90T | ₩51.98T | ₩44.80T | ₩44.46T | ₩32.27T | ₩30.77T | ₩91.24T | ₩79.86T |
| Total current assets | — | ₩137.91T | ₩128.36T | ₩90.57T | ₩101.18T | ₩101.00T | ₩75.72T | ₩28.12T | ₩29.24T | ₩25.02T |
| Property, plant & equipment (net) | ₩5.13T | ₩5.39T | ₩4.95T | ₩4.99T | ₩5.24T | ₩5.43T | ₩5.07T | ₩4.27T | ₩4.20T | ₩3.63T |
| Goodwill & intangible assets | ₩2.24T | ₩1.97T | ₩1.95T | ₩3.20T | ₩3.27T | ₩3.35T | ₩2.74T | ₩2.76T | ₩2.94T | ₩652.32B |
| Long-term investments | ₩224.58T | ₩210.74T | ₩199.16T | ₩182.21T | ₩171.30T | ₩161.22T | ₩126.48T | ₩113.68T | ₩100.22T | ₩75.34T |
| Other non-current assets | ₩565.96T | ₩401.83T | ₩381.31T | ₩420.20T | ₩382.91T | ₩339.67T | ₩308.53T | ₩330.77T | ₩300.18T | ₩271.03T |
| Total assets | ₩797.92T | ₩757.85T | ₩715.73T | ₩701.17T | ₩663.90T | ₩610.67T | ₩518.54T | ₩479.59T | ₩436.79T | ₩375.67T |
| Liabilities | ||||||||||
| Accounts payable | ₩38.21B | ₩36.12B | ₩36.01B | ₩8.31T | ₩12.33T | ₩8.62T | ₩27.55B | ₩25.83B | ₩21.77B | ₩19.08B |
| Short-term debt | — | ₩12.80T | ₩15.65T | ₩92.07T | ₩75.49T | ₩65.74T | ₩13.02T | ₩13.04T | ₩11.97T | ₩11.77T |
| Deferred revenue | — | — | ₩594.02B | ₩1.00T | ₩870.43B | ₩4.0M | ₩4.0M | ₩134.0M | ₩8.0M | ₩16.0M |
| Total current liabilities | — | ₩453.01T | ₩427.62T | ₩204.69B | ₩292.96T | ₩14.0M | ₩325.94T | ₩309.58T | ₩283.91T | ₩267.21T |
| Long-term debt | ₩150.78T | ₩129.57T | ₩120.44T | ₩140.42T | ₩108.87T | ₩95.63T | ₩75.85T | ₩73.25T | ₩61.84T | ₩49.48T |
| Lease obligations | ₩901.11B | ₩964.40B | ₩588.80B | ₩592.70B | ₩578.81B | ₩559.11B | ₩544.44B | ₩0 | ₩0 | ₩0 |
| Other long-term liabilities | ₩0 | ₩115.45T | ₩109.02T | ₩510.91T | ₩0 | ₩0 | ₩77.62T | ₩61.05T | ₩57.00T | ₩27.73T |
| Total liabilities | −₩61.37T | ₩698.03T | ₩657.09T | ₩651.53T | ₩105.81T | ₩92.39T | ₩479.42T | ₩443.88T | ₩402.74T | ₩344.41T |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T |
| Retained earnings (deficit) | ₩38.34T | ₩34.81T | ₩31.93T | ₩28.47T | ₩25.67T | ₩22.52T | ₩19.71T | ₩17.28T | ₩15.04T | ₩12.23T |
| Treasury stock | — | — | — | — | −₩1.14T | −₩1.14T | −₩1.14T | −₩968.55B | −₩755.97B | −₩721.97B |
| Accumulated other comprehensive income | ₩59.58T | ₩496.92B | ₩2.15T | −₩2.71T | ₩1.05T | ₩612.34B | ₩348.02B | ₩177.81B | ₩537.67B | ₩405.33B |
| Minority interest | ₩1.78T | ₩1.93T | ₩1.94T | ₩1.28T | — | — | ₩0 | ₩0 | ₩0 | ₩0 |
| Total shareholders' equity | ₩61.37T | ₩57.89T | ₩56.69T | ₩49.64T | ₩558.09T | ₩518.28T | ₩38.53T | ₩35.70T | ₩34.04T | ₩31.00T |
| Key figures | ||||||||||
| Total debt | ₩150.78T | ₩140.77T | ₩137.04T | ₩232.48T | ₩184.36T | ₩161.38T | ₩86.65T | ₩85.71T | ₩75.12T | ₩64.19T |
| Net cash (debt) | −₩15.21T | −₩16.08T | −₩23.76T | −₩142.12T | −₩91.93T | −₩72.84T | −₩18.60T | −₩64.25T | −₩54.08T | −₩45.07T |
| Working capital | — | −₩315.09T | −₩299.27T | ₩90.36T | −₩191.78T | ₩101.00T | −₩250.22T | −₩281.46T | −₩254.67T | −₩242.19T |
| Tangible book value | ₩59.13T | ₩55.92T | ₩54.74T | ₩46.44T | ₩554.82T | ₩514.93T | ₩35.80T | ₩32.95T | ₩31.10T | ₩30.35T |
| Shares outstanding | 382.2M | 383.4M | 393.3M | 398.9M | 398.6M | 394.8M | 394.0M | 398.8M | 401.0M | 385.6M |
| Current ratio | — | 0.30 | 0.30 | 442.46 | 0.35 | 7,214,524.93 | 0.23 | 0.09 | 0.10 | 0.09 |
| Quick ratio | — | 0.30 | 0.30 | 442.46 | 0.35 | 7,214,524.93 | 0.23 | 0.09 | 0.10 | 0.09 |
| Debt / equity | 2.46 | 2.43 | 2.42 | 4.68 | 0.33 | 0.31 | 2.25 | 2.40 | 2.21 | 2.07 |
| Equity / assets | 7.7% | 7.6% | 7.9% | 7.1% | 84.1% | 84.9% | 7.4% | 7.4% | 7.8% | 8.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | ₩142.30T | ₩20.38T | ₩135.57T | ₩121.55T | ₩129.21T | ₩126.41T | ₩24.61T | ₩115.68T | ₩27.08T | ₩25.83T | −₩16.82T | ₩31.95T |
| Cash & equivalents | ₩44.62T | ₩20.38T | ₩35.65T | ₩25.27T | ₩34.12T | ₩30.66T | ₩24.61T | ₩26.23T | ₩31.05T | ₩30.79T | −₩16.82T | ₩31.95T |
| Short-term investments | ₩97.69T | ₩97.91T | ₩99.92T | ₩96.28T | ₩95.09T | ₩95.75T | ₩93.90T | ₩89.45T | ₩89.22T | ₩82.50T | ₩82.50T | — |
| Receivables | ₩0 | ₩0 | ₩0 | ₩367.39B | ₩344.13B | ₩328.99B | ₩0 | ₩315.16B | ₩295.09B | ₩295.09B | ₩274.90B | ₩262.90B |
| Inventory | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 | ₩5.97T | −₩40.27T | −₩116.79T | −₩40.90T |
| Other current assets | — | ₩0 | — | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 | ₩39.63T | ₩65.87T | ₩185.05T | ₩40.90T |
| Total current assets | — | ₩20.38T | — | ₩121.92T | ₩129.55T | ₩126.74T | ₩24.61T | ₩116.00T | ₩72.97T | ₩51.72T | ₩51.72T | ₩32.21T |
| Property, plant & equipment (net) | ₩5.08T | ₩5.04T | ₩5.13T | ₩5.14T | ₩5.18T | ₩5.42T | ₩5.39T | ₩5.28T | ₩5.31T | ₩4.95T | ₩4.95T | ₩4.94T |
| Goodwill & intangible assets | ₩1.60T | ₩1.57T | ₩2.24T | ₩1.78T | ₩1.82T | ₩2.80T | ₩1.97T | ₩1.97T | ₩2.03T | ₩1.95T | ₩1.95T | ₩1.99T |
| Long-term investments | ₩235.01T | ₩227.14T | ₩224.58T | ₩221.44T | ₩214.63T | ₩212.36T | ₩210.74T | ₩202.65T | ₩205.00T | ₩200.84T | ₩199.16T | ₩192.04T |
| Other non-current assets | ₩625.21T | ₩563.49T | ₩565.96T | ₩445.78T | ₩429.44T | ₩423.01T | ₩515.14T | ₩419.44T | ₩456.91T | ₩456.28T | ₩457.96T | ₩485.26T |
| Total assets | ₩866.89T | ₩817.61T | ₩797.92T | ₩796.06T | ₩780.62T | ₩770.33T | ₩757.85T | ₩745.33T | ₩742.23T | ₩715.74T | ₩715.74T | ₩716.44T |
| Liabilities | ||||||||||||
| Accounts payable | — | — | ₩38.21B | — | — | ₩36.12B | ₩36.12B | — | — | ₩36.01B | ₩3.59T | ₩398.94T |
| Short-term debt | — | ₩100.39T | — | ₩14.33T | ₩17.42T | ₩14.91T | — | ₩14.48T | ₩15.20T | ₩91.58T | ₩88.13T | ₩88.46T |
| Deferred revenue | — | — | — | — | — | — | — | — | — | ₩594.02B | ₩594.02B | — |
| Total current liabilities | — | ₩100.39T | — | ₩455.32T | ₩452.39T | ₩443.33T | ₩7.02T | ₩438.15T | ₩430.40T | ₩276.48T | ₩276.48T | ₩258.85T |
| Long-term debt | ₩140.39T | ₩133.75T | ₩150.78T | ₩131.56T | ₩144.04T | ₩126.32T | ₩129.57T | ₩122.67T | ₩122.80T | ₩121.93T | ₩120.80T | ₩138.96T |
| Lease obligations | — | — | ₩901.11B | — | — | — | ₩964.40B | — | — | — | ₩588.80B | — |
| Other long-term liabilities | ₩663.80T | ₩527.10T | ₩0 | ₩147.82T | ₩123.24T | ₩140.55T | ₩561.44T | ₩124.60T | ₩557.59T | ₩263.48T | ₩264.61T | ₩2.29T |
| Total liabilities | ₩804.19T | ₩761.25T | −₩61.37T | ₩734.69T | ₩719.67T | ₩710.19T | ₩698.03T | ₩685.42T | ₩682.41T | ₩661.90T | ₩661.90T | ₩141.26T |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | ₩2.09T | ₩2.06T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T | ₩2.09T |
| Retained earnings (deficit) | ₩46.13T | ₩42.97T | ₩38.34T | ₩37.99T | ₩36.69T | ₩36.16T | ₩34.81T | ₩34.57T | ₩31.62T | ₩30.04T | ₩30.04T | ₩31.98T |
| Accumulated other comprehensive income | ₩3.72T | ₩2.25T | ₩59.58T | −₩450.60B | −₩276.89B | −₩401.59B | ₩5.58T | ₩494.97B | ₩5.85T | ₩4.28T | ₩4.28T | ₩2.10T |
| Minority interest | ₩1.81T | ₩1.79T | ₩1.78T | ₩1.79T | ₩1.88T | — | — | — | — | — | — | — |
| Total shareholders' equity | ₩60.89T | ₩54.60T | ₩61.37T | ₩59.58T | ₩59.07T | ₩58.23T | ₩57.89T | ₩57.95T | ₩52.07T | ₩51.90T | ₩58.87T | ₩56.88T |
| Key figures | ||||||||||||
| Total debt | ₩158.37T | ₩153.47T | ₩150.78T | ₩141.42T | ₩140.21T | ₩140.96T | ₩136.84T | ₩122.19T | ₩122.80T | ₩144.38T | ₩144.38T | ₩227.42T |
| Net cash (debt) | −₩16.07T | −₩133.09T | −₩15.21T | −₩19.87T | −₩11.00T | −₩14.54T | −₩112.23T | −₩6.51T | −₩95.72T | −₩118.56T | −₩161.20T | −₩195.47T |
| Working capital | — | −₩80.01T | — | −₩333.40T | −₩322.83T | −₩316.59T | ₩17.59T | −₩322.16T | −₩357.43T | −₩224.76T | −₩224.76T | −₩226.64T |
| Tangible book value | ₩59.30T | ₩53.03T | ₩59.13T | ₩57.80T | ₩57.25T | ₩55.44T | ₩55.92T | ₩55.98T | ₩50.04T | ₩49.95T | ₩56.92T | ₩54.90T |
| Shares outstanding | 357.9M | 377.6M | 382.2M | 366.8M | 369.0M | 375.8M | 379.2M | 389.2M | 393.3M | 393.3M | 378.7M | 392.4M |
| Current ratio | — | 0.20 | — | 0.27 | 0.29 | 0.29 | 3.51 | 0.26 | 0.17 | 0.19 | 0.19 | 0.12 |
| Quick ratio | — | 0.20 | — | 0.27 | 0.29 | 0.29 | 3.51 | 0.26 | 0.06 | 0.09 | −0.06 | 0.12 |
| Debt / equity | 2.60 | 2.81 | 2.46 | 2.37 | 2.37 | 2.42 | 2.36 | 2.11 | 2.36 | 2.78 | 2.45 | 4.00 |
| Equity / assets | 7.0% | 6.7% | 7.7% | 7.5% | 7.6% | 7.6% | 7.6% | 7.8% | 7.0% | 7.3% | 8.2% | 7.9% |
Quarterly columns are labeled by the month the quarter ended. Figures in South Korean won as reported (latest annual report filed April 28, 2026); data from EODHD.
KB financial position
At the end of fiscal 2025 (December 31, 2025), KB Financial had total assets of ₩797.92 trillion (up 5.3% from a year earlier), total liabilities of -₩61.37 trillion and shareholders' equity of ₩61.37 trillion. It held ₩135.57 trillion in cash and short-term investments against ₩150.78 trillion of debt, net debt of ₩15.21 trillion. In the latest quarter (ended June 30, 2026) total assets were ₩866.89 trillion and equity ₩60.89 trillion.
Related: KB income statement, KB cash flow statement, KB key metrics. See the KB stock overview for the latest quote and news.
KB balance sheet FAQ
What are KB Financial's total assets?
KB Financial reported total assets of ₩797.92 trillion at the end of fiscal 2025 (December 31, 2025), compared with ₩757.85 trillion a year earlier.
How much debt does KB Financial have?
KB Financial had ₩150.78 trillion of total debt at the end of fiscal 2025, including short-term borrowings and lease obligations. Its debt-to-equity ratio was 2.46.
How much cash does KB Financial have?
KB Financial held ₩135.57 trillion in cash and short-term investments at the end of fiscal 2025; with ₩150.78 trillion of debt that is net debt of ₩15.21 trillion.
What is KB Financial's book value?
KB Financial's shareholders' equity (book value) was ₩61.37 trillion at the end of fiscal 2025.
How much goodwill does KB Financial have?
KB Financial carried ₩2.24 trillion of goodwill and intangible assets, 0.3% of total assets, at the end of fiscal 2025.