Kbank's net profit last year fell by more than 10%. Kbank disclosed on the 23rd that full-year net profit for 2025 was tallied at 112.6 billion won. It topped 100 billion won for the second straight year, but slipped 12.1% from the previous year (128.1 billion won).
Kbank said last year's interest revenue (444.2 billion won) fell 7.8% because the interest rate applied to virtual-asset deposits was raised starting in Jul. 2024. However, noninterest revenue rose about 40% to 113.3 billion won. In addition to higher gains from bond sales and management revenue from MMFs (money market funds), platform advertising revenue also added to the total.
As of the end of last year, Kbank's funding (deposits) balance was 2.843 trillion won, down about 0.5%. The decline was because virtual-asset deposits decreased amid a weaker asset market.
As for the outstanding loan balance, it grew 13% in a year to 1.838 trillion won. A Kbank official said, "The outstanding loan balance for individual business owners surged from 1.15 trillion won to 2.31 trillion won," adding, "In particular, the outstanding real estate–secured loans for individual business owners increased sharply from 70 billion won to 560 billion won."
Kbank's average share of mid- to low-credit loans for the full year last year was 33.7%, above the 30% regulatory threshold. As of the end of last year, Kbank had 15.53 million customers and plans to increase that to 18 million this year while focusing on strengthening future growth drivers (platforms, corporate loans, artificial intelligence (AI), digital assets).