KB Financial Group (105560) - Net Assets

Latest as of March 2026: ₩61.14 Trillion KRW ≈ $41.43 Billion USD

Based on the latest financial reports, KB Financial Group (105560) has net assets worth ₩61.14 Trillion KRW (≈ $41.43 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₩829.74 Trillion ≈ $562.30 Billion USD) and total liabilities (₩768.60 Trillion ≈ $520.87 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check KB Financial Group (105560) tangible net worth to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	₩61.14 Trillion
% of Total Assets	7.37%
Annual Growth Rate	1.7%
5-Year Change	-89.1%
10-Year Change	94.58%
Growth Volatility	237.02

KB Financial Group - Net Assets Trend (1999–2025)

This chart illustrates how KB Financial Group's net assets have evolved over time, based on quarterly financial data. See KB Financial Group liquidity coverage in days to measure how many days the company can operate on defensive assets alone.

Annual Net Assets for KB Financial Group (1999–2025)

The table below shows the annual net assets of KB Financial Group from 1999 to 2025. For live valuation and market cap data, see KB Financial Group market capitalisation.

Year	Net Assets	Change
2025-12-31	₩60.83 Trillion ≈ $41.22 Billion	+1.70%
2024-12-31	₩59.82 Trillion ≈ $40.54 Billion	+1.60%
2023-12-31	₩58.87 Trillion ≈ $39.90 Billion	+18.59%
2022-12-31	₩49.64 Trillion ≈ $33.64 Billion	-91.10%
2021-12-31	₩558.09 Trillion ≈ $378.21 Billion	+7.68%
2020-12-31	₩518.28 Trillion ≈ $351.23 Billion	+1224.87%
2019-12-31	₩39.12 Trillion ≈ $26.51 Billion	+9.54%
2018-12-31	₩35.71 Trillion ≈ $24.20 Billion	+4.90%
2017-12-31	₩34.04 Trillion ≈ $23.07 Billion	+8.90%
2016-12-31	₩31.26 Trillion ≈ $21.19 Billion	+8.16%
2015-12-31	₩28.90 Trillion ≈ $19.59 Billion	+5.05%
2014-12-31	₩27.51 Trillion ≈ $18.64 Billion	+7.25%
2013-12-31	₩25.65 Trillion ≈ $17.38 Billion	+3.84%
2012-12-31	₩24.70 Trillion ≈ $16.74 Billion	+6.94%
2011-12-31	₩23.10 Trillion ≈ $15.65 Billion	+25.27%
2010-12-31	₩18.44 Trillion ≈ $12.50 Billion	+1.82%
2009-12-31	₩18.11 Trillion ≈ $12.27 Billion	+16.14%
2008-12-31	₩15.59 Trillion ≈ $10.57 Billion	-8.24%
2007-12-31	₩17.00 Trillion ≈ $11.52 Billion	+20.48%
2006-12-31	₩14.11 Trillion ≈ $9.56 Billion	+25.00%
2005-12-31	₩11.29 Trillion ≈ $7.65 Billion	+51.80%
2004-12-31	₩7.43 Trillion ≈ $5.04 Billion	+7.68%
2003-12-31	₩6.90 Trillion ≈ $4.68 Billion	-22.48%
2002-12-31	₩8.91 Trillion ≈ $6.04 Billion	+12.07%
2001-12-31	₩7.95 Trillion ≈ $5.39 Billion	+86.23%
2000-12-31	₩4.27 Trillion ≈ $2.89 Billion	-89.12%
1999-12-31	₩39.24 Trillion ≈ $26.59 Billion	--

Equity Component Analysis

This analysis shows how different components contribute to KB Financial Group's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.

Equity Composition Insights

Retained earnings have grown by 10869.7% over the analyzed period, indicating profitable operations and earnings retention.

Current Equity Component Breakdown (December 2025)

Component	Amount	Percentage
Retained Earnings	₩38.33 Trillion	64.92%
Other Components	₩20.71 Trillion	35.08%
Total Equity	₩59.05 Trillion	100.00%

KB Financial Group Competitors by Market Cap

The table below lists competitors of KB Financial Group ranked by their market capitalization.

Company	Market Cap
Commerzbank AG XETRA:CBK	$39.44 Billion
CITIC LTD. ADR/5 HD-40 F:CPF0	$39.45 Billion
Take-Two Interactive Software Inc NASDAQ:TTWO	$39.46 Billion
CTBC Financial Holding Co Ltd Pref TW:2891B	$39.50 Billion
Semiconductor Manufacturing Intl Co SHG:688981	$39.41 Billion
ITC Limited NSE:ITC	$39.40 Billion
Holcim AG SW:HOLN	$39.28 Billion
Garmin Ltd F:GEY	$39.27 Billion

Equity Growth Attribution

This analysis shows how different factors contributed to changes in KB Financial Group's equity between the two most recent reporting periods.

Equity Growth Insights

From 2024 to 2025, total equity changed from 57,888,952,000,000 to 59,048,211,000,000, a change of 1,159,259,000,000 (2.0%).
Net income of 5,833,162,000,000 contributed positively to equity growth.
Dividend payments of 1,302,291,000,000 reduced retained earnings.
Share repurchases of 1,480,000,000,000 reduced equity.
Other factors decreased equity by 1,891,612,000,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	₩5.83 Trillion	+9.88%
Dividends Paid	₩1.30 Trillion	-2.21%
Share Repurchases	₩1.48 Trillion	-2.51%
Other Changes	₩-1.89 Trillion	-3.2%
Total Change	₩-	2.00%

Book Value vs Market Value Analysis

This analysis compares KB Financial Group's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.

Valuation Insights

Current price-to-book ratio: 1.00x
The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
The price-to-book ratio has decreased from 17.18x to 1.00x over the analyzed period, indicating reduced market premium.

Historical Price-to-Book Ratios

Date	Book Value per Share	Market Price	P/B Ratio
1999-12-31	₩9546.27	₩164000.00	x
2000-12-31	₩22929.16	₩164000.00	x
2001-12-31	₩31731.11	₩164000.00	x
2002-12-31	₩27045.55	₩164000.00	x
2003-12-31	₩21127.08	₩164000.00	x
2004-12-31	₩24202.76	₩164000.00	x
2005-12-31	₩34902.59	₩164000.00	x
2006-12-31	₩41891.57	₩164000.00	x
2007-12-31	₩50469.39	₩164000.00	x
2008-12-31	₩47185.48	₩164000.00	x
2009-12-31	₩54861.08	₩164000.00	x
2010-12-31	₩52252.37	₩164000.00	x
2011-12-31	₩62246.69	₩164000.00	x
2012-12-31	₩63242.98	₩164000.00	x
2013-12-31	₩66117.08	₩164000.00	x
2014-12-31	₩70410.36	₩164000.00	x
2015-12-31	₩73901.37	₩164000.00	x
2016-12-31	₩80382.30	₩164000.00	x
2017-12-31	₩84875.08	₩164000.00	x
2018-12-31	₩89526.67	₩164000.00	x
2019-12-31	₩97796.31	₩164000.00	x
2020-12-31	₩107670.01	₩164000.00	x
2021-12-31	₩119074.30	₩164000.00	x
2022-12-31	₩121227.97	₩164000.00	x
2023-12-31	₩144737.96	₩164000.00	x
2024-12-31	₩154948.72	₩164000.00	x
2025-12-31	₩164668.80	₩164000.00	x

Capital Efficiency Dashboard

This dashboard shows how efficiently KB Financial Group utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.

Capital Efficiency Insights

Current Return on Equity (ROE): 9.88%
The company has moderate efficiency in generating returns from equity.
DuPont Analysis Breakdown:
• Net Profit Margin: 27.47%
• Asset Turnover: 0.03x
• Equity Multiplier: 13.51x
Recent ROE (9.88%) is below the historical average (10.02%), suggesting potential challenges in capital efficiency.

Historical Capital Efficiency Metrics

Year	Return on Equity	Net Profit Margin	Asset Turnover	Equity Multiplier	Economic Value Added
1999	30.80%	49.31%	0.02x	25.79x	₩365.10 Billion
2000	14.68%	10.59%	0.06x	22.57x	₩189.45 Billion
2001	12.99%	18.66%	0.03x	22.03x	₩228.50 Billion
2002	14.17%	12.75%	0.05x	20.84x	₩368.18 Billion
2003	-14.42%	-9.28%	0.06x	28.01x	₩-1.68 Trillion
2004	13.43%	11.00%	0.05x	23.11x	₩254.59 Billion
2005	23.84%	31.06%	0.05x	15.67x	₩1.56 Trillion
2006	20.92%	34.56%	0.05x	13.06x	₩1.54 Trillion
2007	22.13%	37.11%	0.05x	12.83x	₩2.06 Trillion
2008	8.50%	14.21%	0.04x	16.57x	₩-233.51 Billion
2009	3.02%	2.43%	0.08x	14.69x	₩-1.25 Trillion
2010	0.49%	0.47%	0.07x	14.60x	₩-1.71 Trillion
2011	10.35%	8.96%	0.10x	12.11x	₩81.23 Billion
2012	6.95%	15.58%	0.04x	11.51x	₩-748.04 Billion
2013	4.91%	14.39%	0.03x	11.38x	₩-1.30 Trillion
2014	5.13%	14.62%	0.03x	11.29x	₩-1.33 Trillion
2015	5.92%	17.09%	0.03x	11.47x	₩-1.17 Trillion
2016	6.92%	21.68%	0.03x	12.12x	₩-956.06 Billion
2017	9.73%	28.91%	0.03x	12.83x	₩-92.43 Billion
2018	8.57%	24.43%	0.03x	13.43x	₩-509.20 Billion
2019	8.59%	26.50%	0.02x	13.46x	₩-541.56 Billion
2020	8.16%	23.04%	0.02x	14.37x	₩-781.92 Billion
2021	9.29%	25.88%	0.03x	13.99x	₩-336.52 Billion
2022	8.59%	24.89%	0.02x	14.50x	₩-683.29 Billion
2023	8.14%	35.40%	0.02x	12.57x	₩-1.06 Trillion
2024	8.77%	25.26%	0.03x	13.09x	₩-710.67 Billion
2025	9.88%	27.47%	0.03x	13.51x	₩-71.66 Billion

Industry Comparison

This section compares KB Financial Group's net assets metrics with peer companies in the Banks - Regional industry.

Industry Context

Industry: Banks - Regional
Average net assets among peers: $10,783,379,821,000
Average return on equity (ROE) among peers: 8.47%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
KB Financial Group (105560)	₩61.14 Trillion	30.80%	12.57x	$39.42 Billion
Jeju Bank (006220)	$108.54 Billion	5.84%	16.34x	$309.95 Million
Industrial Bank Of Korea (024110)	$17.29 Trillion	6.61%	12.87x	$12.13 Billion
Shinhan Financial Group (055550)	$8.21 Trillion	17.37%	16.48x	$33.16 Billion
Hana Financial (086790)	$20.89 Trillion	4.38%	13.13x	$23.54 Billion
BNK Financial Group Inc (138930)	$3.26 Trillion	11.09%	12.18x	$3.82 Billion
Dgb Financial (139130)	$1.77 Trillion	9.62%	14.86x	$1.94 Billion
Jb Financial (175330)	$3.09 Trillion	6.00%	14.42x	$3.51 Billion
Woori Financial Group Inc (316140)	$35.90 Trillion	8.60%	13.65x	$15.93 Billion
KakaoBank Corp (323410)	$6.54 Trillion	6.73%	8.60x	$7.64 Billion

About KB Financial Group

KO:105560 Korea Banks - Regional

Market Cap

$39.42 Billion

₩58.17 Trillion KRW

Market Cap Rank

#692 Global

#13 in Korea

Share Price

₩164000.00

Change (1 day)

-4.65%

52-Week Range

₩106000.00 - ₩172000.00

All Time High

₩172000.00