KB Financial Group Inc. (KB) Q2 2026 Earnings Call Transcript

KB Financial Group Inc. ( KB ) Q2 2026 Earnings Call July 23, 2026 3:00 AM EDT Company Participants Jerry Kang - General Manager Sang-Rok Na - Senior MD & CFO Conference Call Participants Sinyoung Park - Goldman Sachs Group, Inc., Research Division Do Ha Kim - Hanwha Investment & Securities Co., Ltd., Research Division Jaewoong Won - HSBC Global Investment Research Jihyun Cho - JPMorgan Chase & Co, Research Division Jae Woo Kim - Samsung Securities Co. Ltd., Research Division Presentation Jerry Kang General Manager Greetings, everyone. I am Jerry Kang, Head of KBFG IR Department. We will now begin the 2026 First Half Business Results Presentation. Thank you very much for participating in today's earnings release. We have here with us today business results presentation, our Group CFO, Sang-Rok Na, as well as executives from our group. Regarding the agenda today, we will first have our Group CFO deliver the 2026 first half business results and then have a Q&A session. We will now have our Group CFO, deliver a presentation on 2026 first half business results. Sang-Rok Na Senior MD & CFO Greetings, everyone. I am KBFG CFO, Sang-Rok Na. Thank you very much for taking part in the 2026 first half earnings release. Before we proceed with the business results presentation, I would first like to cover the first half shareholder return approved at today's BOD meeting. Let's go to Page 1. Despite the operating environment in the first half of the year marked by high FX rate and heightened financial market volatility through strategic capital management efforts, June end group CET1 ratio posted 13.74%, a 10 bp improvement compared to the previous quarter end. According to KB's shareholder return framework, capital that exceeds 13.5% CET1 ratio will be utilized for our second round of shareholder return in 2026. At today's BOD