KB Financial Group

Name

KB Financial Group

Legal name

KB Financial Group Inc. (주식회사 KB금융지주)

Website

https://kbfg.com

Company type

Public

Founded year

2008

Operating status

Operating

Headcount range

5,001–10,000 employees

Ownership category

akta.pro rank

Product category

Diversified Financial Services

NAICS

Offices of Bank Holding Companies (551111), Credit Card Issuing (52221), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

Commercial Banks, Nec (6029)

akta.pro primary industry

Core Banking & Ledger Systems (Cloud Core, Deposits, Accounts) (FSAGAAAC)

akta.pro secondary industry

Income, Employment & Cash-Flow Verification (Consumer) (FSAKAKAE)

Keywords

• Commercial banking services
• Retail banking
• Investment securities
• Life insurance
• Asset management

Headquarters

HQ city

Seoul

HQ country

South Korea

HQ region

Asia

Offices9 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations

Revenue model

1. Net Interest Income (Banking): Interest income from lending operations including corporate loans, retail mortgages, and SME financing. KB Kookmin Bank serves as the primary interest income generator, with stable interest margins driven by rising market interest rates.
2. Non-Interest Income: Fee income from securities, asset management, insurance, and bancassurance operations. Q1 2026 non-interest income reached record KRW 1.6509 trillion, up 27.8% year-over-year, driven by 45.5% growth in net fees from securities and asset management businesses.
3. SME Financial Services: Lending and transaction fee income from small and medium enterprise banking services, including big data-driven credit analysis and guarantee services for commercial districts.
4. Digital Asset Services: Future revenue stream from won-denominated stablecoin payments, remittances, and blockchain-based financial services pending regulatory framework implementation.

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

No source data was provided in the input to describe KB Financial Group's core offerings. The input contained no extractable statements with resolvable source IDs about what the company fundamentally does and sells.

Product overview

KB Financial Group operates as a diversified financial holding company offering a comprehensive suite of banking, securities, insurance, card, asset management, and fintech services through its 11 subsidiary companies. The core banking arm is KB Kookmin Bank (KB국민은행), complemented by KB Securities (KB증권), KB Insurance (KB손해보험), KB Card (KB국민카드), KB Life Insurance (KB라이프생명), KB Asset Management (KB자산운용), KB Capital (KB캐피탈), KB Real Estate Trust (KB부동산신탁), KB Savings Bank (KB저축은행), KB Investment (KB인베스트먼트), and KB Data Systems (KB데이타시스템). These subsidiaries operate both independently and synergistically through group-level platforms including KB Pay mobile payments, KB Wallet digital wallet, KB Mobile Certificate identity services, Liiv digital banking platform, KB GenAI Portal (agentic generative AI), and KB Golden Life senior care brand. The group also operates internationally across Asia-Pacific (Indonesia, Cambodia, Vietnam, Hong Kong, China, Singapore, Japan, New Zealand, India, Myanmar, Thailand, Laos) through branch networks and local subsidiaries.

Differentiator

Problem solved

Functional benefit

Brands

• KB Pay: Mobile payment and digital wallet service with over 14 million subscribers
• Liiv M
• Liiv
• Kiwi Bank
• KB Wallet
• KB Gold & Wise
• Star Friends
• KB Golden Life
• KB GenAI Portal

Quantifiable outcome

• Q1 2026 net income up 11.5% year-over-year to KRW 1.89 trillion with ROE of 13.94%
• +5 more outcomes

Segments5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability12 records

Feature6 records

Partnerships

Eleven partnerships are on record, tiered core, strategic and regulatory.

• Seoul Credit Guarantee FoundationcoreStrategic or Co-development Partner · 16 June 2026KB Kookmin Bank and KB Credit Card signed MOU with Seoul Credit Guarantee Foundation and SK Telecom to establish big data-based support system for small businesses. The four institutions combine financial, communication, and commercial district data to analyze local business environments and provide customized analysis services to public institutions and local governments.
• SK TelecomcoreStrategic or Co-development Partner · 16 June 2026Partnership with SK Telecom for big data-based SME support, combining telecommunications data with financial and commercial district information to improve small business management environment analysis.
• Ministry of SMEs and Startups (MSS)coreStrategic or Co-development Partner · 5 June 2026Korea's Ministry of SMEs and Startups and KB Financial Group jointly established a KRW 10 billion fund to support SMEs in digital transformation (AI solutions), green transformation (climate finance and Korean green taxonomy compliance), and safety transformation (safety technology and AI-based monitoring systems). KB Financial committed KRW 3 billion to the first impact-investment mother fund targeting UN Sustainable Development Goals-aligned corporations.
• RebellionsstrategicTechnology or Integration · 27 May 2026KB Financial Group signed strategic partnership with Rebellions, a domestic AI semiconductor company, to develop next-generation AI financial infrastructure. Rebellions provides AI chip inference technology based on domestic NPUs, while KB Financial supports AI use case development and ecosystem building. KB Investment previously participated in Rebellions' Series A in 2022 and KB Securities joined the Series B round, indicating prior investment relationship.
• KG InicisstrategicTechnology or Integration · 17 May 2026KG Inicis participated in KB Financial's won stablecoin payment proof-of-concept, providing payment infrastructure for offline QR payments at Hollys Coffee chain and cross-border remittance settlement services.
• Kaia BlockchainstrategicTechnology or Integration · 17 May 2026Kaia blockchain provided the underlying technology for won stablecoin payment and remittance verification, enabling the complete flow from issuance to cross-border settlement in under 3 minutes.
• Korea SMEs and Startups Agency (KOSME)coreStrategic or Co-development Partner · 8 April 2026KOSME and KB Financial jointly selected 50 supplier corporations for SME industrial safety infrastructure support program, providing KRW 3.3 billion in total support for corporations with technologies to prevent industrial accidents. More than half of selected firms located outside capital area for balanced regional development.
• CirclestrategicTechnology or IntegrationKB Financial Group has an existing stablecoin partnership with Circle, with CEO Jeremy Allaire scheduled to meet KB Financial in Seoul to discuss expanding the partnership. Circle's involvement began with proof-of-concept involving stablecoins and technical validation for digital asset applications.
• Toss (Viva Republica)strategicChannel Partner/ Reseller/ DistributorKB Financial considering partnership where KB Kookmin Bank would issue won-backed stablecoins and Toss would handle distribution through its fintech platform. This represents KB's strategy to leverage Toss's mobile-first distribution capabilities in the emerging stablecoin market.
• Financial Services CommissionregulatoryOthersKorean financial regulator coordinating with major financial groups including KB Financial on crisis response systems amid Middle East tensions, including preferential loan programs for affected companies.
• Bank of KorearegulatoryOthersBank of Korea's Project Han River pilot project for won-based stablecoins involves collaboration with KB Financial Group, with the central bank supporting gradual implementation starting with regulated commercial banks.

Scale indicators8 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Shinhan Financial Group: One of Korea's top four financial holding companies, operating Shinhan Bank, Shinhan Securities, Shinhan Life, and Shinhan Card. Directly comparable to KB as a domestic bank-led financial holding group competing for the same retail, SME, and corporate customers.
• Hana Financial Group: Korea's third-largest financial holding group with Hana Bank, Hana Securities, Hana Card, and Hana Life. Competes head-to-head with KB Kookmin Bank in retail and corporate banking and is pursuing similar digital transformation initiatives.
• Woori Financial Group: State-origin Korean financial holding company with Woori Bank, Woori Investment Bank, and Woori Card. Directly comparable bank holding peer with overlapping retail and corporate client base and similar regulatory environment.
• NH Financial Group: Financial holding company of the NongHyup agricultural cooperative federation, including NH Bank and NH Investment & Securities. Closely comparable as a Korean bank-led financial holding group with strong SME and rural retail presence.
• Mirae Asset Financial Group: Major Korean financial group spanning securities, asset management, insurance, and venture capital. Comparable diversified financial holding peer with emphasis on wealth management and investment banking.

Emerging players

• Kakao Bank: Korea's largest internet-only bank, spun out of Kakao. Competes directly with KB Kookmin Bank in retail deposits, consumer credit, and payments, and is the primary neobank threat to traditional banking margins.
• Toss (Viva Republica): Korea's leading fintech super-app and Toss Bank operator. A direct partner of KB Financial for won stablecoin distribution, Toss represents both a strategic ally and a structural threat to KB's consumer banking and payments business.

Broad incumbents

• DBS Group Holdings: Singapore-based leading Asian bank with a strong digital transformation playbook. Comparable as an Asia-Pacific bank holding group pursuing digital-first banking, wealth management, and cross-border payment innovation.
• Mitsubishi UFJ Financial Group: Japan's largest financial holding group with bank, trust, securities, and credit card subsidiaries. Comparable as a regional mega-bank holding group pursuing digital, ESG, and cross-border initiatives.

Regional players

• OCBC Group: Singapore-headquartered bank holding group with strong ASEAN franchise and digital banking initiatives. Comparable as an Asia-Pacific bank-led financial group operating across multiple Southeast Asian markets where KB also has subsidiaries.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/KB금융그룹
• Facebookfacebook.com/kb.financialgroup
• Instagraminstagram.com/kb.financialgroup
• LinkedInlinkedin.com/company/kookminfg

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries14 records

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments16 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about KB Financial Group