KB Financial Group Inc.

Annual Trend FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Cash flows from operating activities:
Adjustments to reconcile net income to net cash provided by operating activities:
Net Income From Continuing Operations $3.9t $4.5t $5.0t $5.8t
Net Income (Loss) Attributable to Parent $4.1t $4.6t $5.1t $5.8t
Other Adjustments To Reconcile Profit Loss $65.4b $191.2m $186.0m $337.6m $483.1m $608.6m $635.6m $640.8m $537.1m
Net Income (Loss) Attributable to Noncontrolling Interest
Depreciation, Amortization and Accretion, Net $850.6b $878.8b $865.9b
Amortization of Intangible Assets
Depreciation $850.6b $878.8b $865.9b
Depreciation and amortization expense $289.4b $515.6m $368.0m $678.9m $805.5m $717.5m $697.4m $670.8m $620.0m $633.2m
Amortization Cash Flow $156.1b $137.6b $0
Amortization Of Intangibles $156.1b $137.6b $0
Depreciation Amortization Depletion $878.8b $865.9b $916.3b $914.7b
Deferred income tax assets ($87.7b) $3.0m ($501k) $695k ($13.9m) ($78.4m) ($72.6m) ($65.2m) $3.5m $57.7m
Deferred income tax liabilities ($150.3b) $101.5m $103.5m $203.6m ($115.2m) $248.1m ($121.2m) $216.2m $248.8m $245.6m
Share-based Payment Arrangement, Noncash Expense
Adjustments For Share-Based Payments $38.2b $68.7m $9.8m $42.8m $45.5m $86.0m $46.2m $54.0m $95.0m
Share-based payments $38.2b $68.7m $9.8m $42.8m $45.5m $86.0m $46.2m $54.0m $95.0m $106.5m
Gain (Loss) on Disposition of Property Plant Equipment ($397.2b) ($279.5m) ($406.4m) ($526.8m) ($391.2m) ($241.8m) ($235.6m) ($271.2m) ($228.2m) ($230.8m)
Equity Method Investment, Realized Gain (Loss) on Disposal ($18.8b) $15.1b $4.2b $1.4b
Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber Property ($397.2b) ($279.5m) ($406.4m) ($526.8m) ($391.2m) ($241.8m) ($235.6m) ($271.2m) ($228.2m) ($230.8m)
Income (Loss) from Equity Method Investments
Income Tax Expense (Benefit)
Other Nonoperating Income (Expense) $670.9b $36.4m $8.8m $23.3m $174.4m
Net interest expense $421.7b $340.8m $249.0m $271.4m $421.9m $256.7b ($71.1m) $212.8m $4.1m $173.5m
Earnings (Loss)es From Equity Investments $28.8b ($33.1b) $16.9b ($26.9b)
Changes in operating assets and liabilities:
Additional Financial Items
Increase (Decrease) in Other Operating Assets
Provision for Loan, Lease, and Other Losses
Increase (Decrease) in Other Operating Liabilities
Gain (Loss) on Sales of Loans, Net
Parent Company $383.8b $471.3m $689.0m $657.5m $792.8m $581.7m $677.1m $437.6m $298.3b
Adjustments For Current Tax Of Prior Period $27.2b ($39.4b) $22.9b ($51.1b) ($13.4b) $8.0b ($122.4b) ($35.3b) ($27.3b)
Adjustments For Unrealised Foreign Exchange Losses Gains $15.9b ($66.0m) ($128.1m) ($64.5m) ($107.5m) ($561.2m) $531.7m $155.3m $420.0m
Gain (Loss) on Investments
Gain (Loss) on Sale of Derivatives
General And Administrative Expense $5.2t $5.6t $5.1b $4.7b
Goodwill $262.4b $273.4b $275.2b $275.7b $763.6b $806.4b $845.2b $867.0b $874.0b
Increase Decrease In Working Capital ($2.4t) ($10.7b) $13.8b ($2.3b) ($18.3b) $14.0b $3.0b ($1.4b) ($2.1b)
Interest Received Classified As Operating Activities $10.2t $11.2t $12.3t $14.9t $15.0t $15.2t $20.5t $28.6t $30.3t
Nonoperating Income (Expense) $951.7b $115.4m $30.6m $37.5m $134.1m
Payments Of Lease Liabilities Classified As Financing Activities $213.6m $204.4m $182.1m $210.7m
Payments To Acquire Or Redeem Entitys Shares $442.9m $554.9m
Purchase Of Intangible Assets Classified As Investing Activities $111.6b $104.8m $113.4m $288.7m $168.4m $161.7m $188.3m $256.0m $196.0m
Purchase Of Interests In Associates $1.6t $50.0m $168.1m $79.8m $474.5m $220.9m $341.5m $89.0m $229.7m
Unrealized Gain (Loss) on Derivatives
Profit for the year $2.2t $3.1b $2.8b $2.9b $3.2b $3.7b $3.3b $3.5b $3.4b $4.0b
Net losses (gains) on financial assets at fair value through profit or loss $401.6b ($100.1m) ($94.1m) ($379.6m) ($521.5m) ($231.6m) ($347.1m) ($1.4b) $19.8m ($1.6b)
Net losses on derivative financial instruments for hedging purposes $69.6b ($126.8m) $167.2m ($3.3m) ($48.5m) $180.5m $112.5m $41.1m $113.9m $42.4m
Provision for credit losses $539.3b $513.6m $605.4m $580.0m $960.8m $999.7m $1.5b $2.4b $1.4b $1.6b
Net losses (gains) on financial investments ($139.8b) $103.2m ($89.2m) ($178.4m) ($256.7m) $82.5m $187.8m $198.3m $70.4m ($69.3m)
Share of loss (profit) of associates and joint ventures ($280.8b) ($79.0m) ($16.5b) $43.8b ($78.9m) $22.8m ($25.6m) $11.4m ($18.6m)
Post-employment benefits $197.7b $218.8m $197.9m $200.7m $216.6m $200.2m $198.3m $120.6m $120.1m $133.5m
Losses on foreign currency translation $15.9b ($66.0m) ($128.1m) ($64.5m) ($107.5m) ($561.2m) $531.7m $155.3m $420.0m $505.9m
Insurance finance income $0 ($8.6t) ($6.0b) ($7.4b) ($7.5b)
Reinsurance finance expense $0 $1.3t $1.0b $1.1b $859.6m
Other expenses $65.4b $191.2m $186.0m $337.6m $483.1m $608.6m $635.6m $640.8m $537.1m $595.6m
Financial asset at fair value through profit or loss ($1.5t) ($3.7b) $0 $0 ($6.6b) ($5.2b) $2.5b ($4.8b) ($474.1m) ($5.2b)
Derivative financial instruments $147.1b ($277.1m) $136.0m ($557.6m) ($35.3m) $33.2m $433.3m ($118.3m) ($140.7m) $1.5m
Loans measured at fair value through other comprehensive income $0 $0 ($36.3m) $13.4m $75.3m ($20.8m) ($39.2m) ($195.7m) ($437.4m) ($380.0m)
Loans measured at amortized cost ($16.4t) ($22.5t) ($28.2b) ($18.8b) ($28.7b) ($35.0b) ($16.8b) ($11.9b) ($18.6b) ($16.2b)
Current income tax assets ($8.9b) $55.6m ($3.3m) ($7.9m) ($50.2m) $8.9m ($84.0m) ($30.7m) ($64.6m) ($33.7m)
Other assets $1.4t ($3.7b) ($2.1b) ($3.2b) ($8.4b) ($3.1b) ($970.5m) ($2.9b) $942.9m ($6.3b)
Financial liabilities at fair value through profit or loss $356.9b $62.0m $0 $0 ($3.0b) $641.1m $994.0m ($1.1b) ($124.2m) ($40.3m)
Deposits $12.0t $17.7b $18.6b $24.6b $25.2b $27.4b $13.1b $9.4b $16.1b $16.0b
Current income tax liabilities $0 $0 $237.9m ($230.4m) $297.7m ($86.3m) $265.8m ($661.0m) $260.8m $55.2m
Other liabilities $1.8t $125.5m $1.7b $1.0b $3.0b $1.1b ($2.3b) $7.7b ($3.3b) $3.8b
Insurance contract assets $0 ($78.6b) ($113.4m) ($31.5m) $3.5m
Reinsurance contract assets $0 ($1.3t) ($1.1b) ($1.0b) ($870.9m)
Insurance contract liabilities $0 $8.3t $7.0b $8.0b $9.3b
Reinsurance contract liabilities $0 ($333.0m) $28.8m $33.2m ($1.6m)
Investment contract liabilities $0 ($83.0b) $115.4m $748.8m $3.0b
Net cash flows from derivative financial instruments for hedging purposes $11.0b $63.8b $13.5m ($24.8m) ($14.9m) $5.0m $26.5m ($56.8m) ($146.8m) ($191.6m)
Disposal of financial asset at fair value through profit or loss $0 $0 $8.6b $9.8b $13.0b $11.6b $7.5b $9.6b $10.6b $17.0b
Acquisition of financial asset at fair value through profit or loss $0 $0 ($7.8b) ($10.7b) ($12.8b) ($10.4b) ($10.2b) ($8.8b) ($11.1b) ($17.4b)
Disposal of financial investments $28.1t $35.6b $54.6b $60.1b $76.6b $42.9b $20.6b $33.7b $30.6b $36.3b
Acquisition of financial investments ($30.7t) ($43.6b) ($58.2b) ($68.4b) ($84.9b) ($47.8b) ($34.6b) ($36.5b) ($32.0b) ($39.6b)
Disposal of investments in associates and joint ventures $106.7b $132.1m $31.2m $22.7m $193.6m $572.4m $133.1m $77.3m $66.6m $178.5m
Acquisition of investments in associates and joint ventures ($1.6t) ($50.0m) ($168.1m) ($79.8m) ($474.5m) ($220.9m) ($341.5m) ($89.0m) ($229.7m) ($290.5m)
Disposal of investment property $0 $1.5m $126.7m $81.5m $595.0m $149.3m $1.0b $2.8m $179.3m $467.9m
Acquisition of investment property ($1.3b) ($245k) ($1.2b) ($697.6m) ($49.0m) ($100.3m) ($515.8m) ($789.0m) ($60.1m) ($127.0m)
Disposal of intangible assets $8.3b $7.1m $9.6m $12.7m $13.2m $6.9m $4.5m $4.2m $14.3m $8.1m
Acquisition of intangible assets ($111.6b) ($104.8m) ($113.4m) ($288.7m) ($168.4m) ($161.7m) ($188.3m) ($256.0m) ($196.0m) ($153.4m)
Net cash flows from changes in ownership of subsidiaries $91.6b ($2.0t) $316.3m $739.9m $1.0b $59.9m ($183.4m)
Others ($38.8b) $139.4m ($167.0m) $116.0m $158.8m ($55.5m) $551.1m ($423.4m) ($19.0m) ($175.3m)
Net increase (decrease) in borrowings $1.8t $4.0b $3.8b $4.4b $9.8b $6.2b $11.6b ($1.7b) ($2.9b) $2.7b
Increase in debentures $99.3t $130.9b $129.0b $81.1b $110.2b $102.7b $85.4b $64.9b $58.2b $64.5b
Decrease in debentures ($98.5t) ($121.1b) ($121.5b) ($83.2b) ($99.2b) ($99.1b) ($84.6b) ($64.8b) ($54.7b) ($61.9b)
Increase in other payables to trust accounts $1.6t $550.4m $240.0m ($59.4m) $2.1b ($429.4m) ($972.4m) $1.8b $60.8m $2.0b
Issuance of hybrid securities $0 $0 $345.5m $1.2b $963.5m $1.3b $463.6m $270.0m $279.7m
Repayment on hybrid securities $0 $0 ($350.0b) ($782.3m)
Acquisition of treasury shares ($716.8b) ($173.8m) ($201.9m) ($237.4m) $0 $0 $0 ($442.9m) ($554.9m) ($1.0b)
Redemption of principal of lease liabilities ($229.8b) ($235.5b) ($213.6m) ($204.4m) ($182.1m) ($210.7m) ($254.0m)
Increase (decrease) in non-controlling interests $0 ($163.7b) $0 $497.3m ($23.6m) ($20.4m) $314.0m $558.6m $115.3b ($71.8m)
Beginning Cash Position $26.0t $26.5t $25.8t $24.6t
Cash Flow From Continuing Financing Activities $15.2t ($1.2t) ($2.0t) $5.8t
Cash Flow From Continuing Investing Activities ($19.6t) ($3.5t) ($3.8t) ($5.5t)
Change In Income Tax Payable $335.2b ($853.3b) $385.4b $79.8b
Change In Other Current Assets ($1.5t) ($3.8t) $1.4t ($9.0t)
Change In Other Current Liabilities ($2.5t) $10.0t ($4.9t) $5.5t
Change In Other Working Capital $28.3t $11.9t $34.1t $32.0t
Change In Payable $335.2b ($853.3b) $385.4b $79.8b
Change In Payables And Accrued Expense $335.2b ($853.3b) $385.4b $79.8b
Change In Receivables ($105.9b) ($39.6b) ($95.5b) ($48.7b)
Change In Tax Payable $335.2b ($853.3b) $385.4b $79.8b
Change In Working Capital $2.9t $1.8t $3.1t $5.0t
Changes In Cash $304.4b ($649.7b) ($1.8t) $4.5t
End Cash Position $26.5t $25.8t $24.6t $29.0t
Financing Cash Flow $15.2t ($1.2t) ($2.0t) $5.8t
Free Cash Flow $4.3t $3.4t $3.4t $3.7t
Gain Loss On Investment Securities $980.5b ($1.5t) $133.2b ($2.3t)
Gain Loss On Sale Of PPE ($251.9b) $131.3b $145.2b ($152.6b)
Investing Cash Flow ($19.6t) ($3.5t) ($3.8t) ($5.5t)
Net Business Purchase And Sale $932.4b $1.3t $88.5b ($264.9b)
Net Foreign Currency Exchange Gain Loss $622.2b $200.5b $620.8b $730.7b
Net Intangibles Purchase And Sale ($194.9b) ($325.1b) ($268.7b) ($209.8b)
Net PPE Purchase And Sale ($265.8b) ($342.0b) ($318.6b) ($241.5b)
Operating Gains Losses $1.8t ($1.0t) $1.3t ($1.5t)
Other Non Cash Items ($6.6t) ($5.3t) ($8.5t) ($8.5t)
Pension And Employee Benefit Expense $249.9b $155.7b $177.5b $192.8b
Purchase Of Intangibles ($200.5b) ($330.4b) ($289.7b) ($221.5b)
Purchase Of PPE $279.5m $406.4m $526.8m $391.2m $241.8m ($296.9b) ($350.1b) ($337.2b) ($333.4b)
Repurchase Of Capital Stock $0 ($571.7b) ($820.0b) ($1.5t)
Sale Of Intangibles $5.7b $5.4b $21.1b $11.7b
Sale Of PPE $31.2b $8.2b $18.6b $91.9b
Stock Based Compensation $58.3b $69.7b $140.5b $153.9b
Profit or Loss $2.2t $3.1b $2.8b $2.9b $3.2b $3.7b $3.3b $3.5b $3.4b
Net Cash Provided by (Used in) Operating Activities $1.1t ($4.5b) ($8.0b) $8.1b ($10.6b) ($5.7b) $4.5b $3.2b $2.7b $2.9b
Cash flows from investing activities:
Payments to Acquire Property, Plant, and Equipment ($497.5b) ($680.6b) ($626.9b) ($555.0b)
Proceeds From Sales Of Property Plant And Equipment Classified As Investing Activities $809.0m $29.2m $2.0m $11.1m $6.0m $5.9m $24.7m $6.3m $12.6m ($230.8m)
Net Investment Properties Purchase And Sale $642.2b ($1.0t) $176.2b $492.4b
Net Investment Purchase And Sale ($20.7t) ($2.6t) ($3.1t) ($5.7t)
Purchase Of Investment ($57.2t) ($58.6t) ($64.1t) ($83.0t)
Purchase Of Investment Properties ($650.0b) ($1.0t) ($88.8b) ($183.5b)
Sale Of Investment $36.5t $56.0t $61.0t $77.3t
Sale Of Investment Properties $1.3t $3.7b $264.9b $675.9b
Net Other Investing Changes ($19.2b) ($496.3b) ($397.2b) $356.9b
Net cash outflow from investing activities ($4.4t) ($8.2b) ($4.0b) ($10.7b) ($10.1b) ($3.3b) ($16.1b) ($2.7b) ($2.6b) ($3.8b)
Net Cash Provided by (Used in) Investing Activities
Cash flows from financing activities:
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale
Issuance Of Debt $122.3t $83.8t $86.0t $97.1t
Long Term Debt Issuance $122.3t $83.8t $86.0t $97.1t
Net Issuance Payments Of Debt $15.4t ($2.4t) $513.7b $7.2t
Net Long Term Debt Issuance $15.4t ($2.4t) $513.7b $7.2t
Long Term Debt Payments ($106.9t) ($86.1t) ($85.5t) ($89.8t)
Repayment Of Debt ($106.9t) ($86.1t) ($85.5t) ($89.8t)
Net Common Stock Issuance $0 ($571.7b) ($820.0b) ($1.5t)
Payments for Repurchase of Common Stock $716.8b $173.8m $201.9m $237.4m $0
Payments of Ordinary Dividends, Common Stock $383.8b $471.3m $689.0m $657.5m $792.8m $581.7m $677.1m $437.6m $298.3b
Common Stock Payments $0 ($571.7b) ($820.0b) ($1.5t)
Proceeds from Noncontrolling Interests
Dividends Paid Classified As Financing Activities $378.6b $498.0b $766.7b $766.2b $884.0b $1.1t $1.6t $1.3t $1.7t
Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners $766.7b $759.7b $861.1b $689.7b $853.3b $565.0b $587.0b
Dividends paid to shareholders of the Parent Company ($378.6b) ($466.5m) ($689.0m) ($657.5m) ($792.8m) ($828.2m) ($1.1b) ($892.3m) ($1.0b) ($901.5m)
Dividends paid on hybrid securities $0 $0 ($5.6m) ($21.0m) ($60.3m) ($100.3m) ($143.2m) ($135.2m) ($140.1m)
Cash Dividends Paid ($1.4t) ($1.2t) ($1.5t) ($1.3t)
Common Stock Dividend Paid ($1.4t) ($1.2t) ($1.5t) ($1.3t)
Net Other Financing Charges $1.2t $2.8t ($190.6b) $1.3t
Net cash inflow (outflow) from financing activities $3.2t $13.8b $10.6b $2.0b $23.3b $9.1b $12.2b ($959.8m) ($1.3b) $4.0b
Net Cash Provided by (Used in) Financing Activities
Effect of exchange rate changes on cash and cash equivalents $89.1b ($124.8m) ($61.1m) $118.6m ($158.2m) $133.5m $135.4m ($45.3m) $386.4m ($51.7m)
Effect Of Exchange Rate Changes $197.2b ($58.5b) $571.0b ($74.7b)
Net increase (decrease) in cash and cash equivalents ($43.1b) $927.5m ($1.6b) ($449.2m) $2.4b $357.1m $705.7m ($548.6m) ($824.0m) $3.1b
Increase in beginning balance of cash and cash equivalents $6.9b $7.9b $6.0b $5.3b $8.0b $7.7b $20.8b $20.0b $16.7b $20.1b
Supplemental disclosure of cash flow information:
Change In Cash Supplemental As Reported $501.6b ($708.2b) ($1.2t) $4.4t
Interest Paid, Excluding Capitalized Interest, Operating Activities
Interest Paid Classified As Operating Activities $3.7t $3.4t $4.1t $5.4t $5.3t $4.1t $6.4t $13.1t $15.4t
Income Taxes Paid Refund Classified As Operating Activities $231.8b $646.8b $759.0b $1.2t $1.1t $1.6t $1.5t $2.2t $1.2t

Values abbreviated: b = billions, m = millions, k = thousands. Per share data in USD.