Cash Flow Statement

Operating Cash Flow

+64%

+54%

10Y

Currency: KRW

	Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025	Jun-2025	Sep-2025
Operating Cash Flow
Net Income	219 909	366 206	1 395 148	1 875 632	2 428 572	2 257 764	1 980 179	1 852 524	1 740 133	1 544 403	1 156 362	1 119 852	1 263 705	1 210 023	1 443 694	1 490 667	1 415 111	1 669 032	1 608 619	1 559 014	1 727 306	1 668 385	1 925 252	2 078 735	2 190 180	2 523 535	2 932 901	3 252 886	3 343 461	3 424 261	3 366 309	3 422 880	3 061 946	2 939 487	2 984 157	2 970 869	3 313 199	3 206 206	3 207 216	3 460 751	3 502 281	4 048 504	4 263 450	4 374 898	4 384 381	4 570 755	4 577 818	4 632 157	3 931 401	3 959 081	4 249 366	4 231 329	4 563 431	4 127 431	4 333 325	4 587 394	5 028 606	5 664 514	5 701 429	5 760 618
Depreciation & Amortization	347 834	421 224	345 566	343 973	342 656	345 009	343 478	336 408	328 320	317 762	306 916	296 598	286 858	282 735	276 241	265 271	261 197	260 224	260 618	265 403	257 457	256 647	258 613	263 694	289 438	304 614	392 194	476 582	550 343	618 143	613 068	613 511	623 634	708 685	797 608	884 914	976 890	1 006 180	1 020 187	1 038 600	1 048 777	1 046 293	1 031 287	1 022 654	1 006 688	826 936	830 295	823 455	878 841	894 625	908 761	918 346	865 927	877 276	892 794	908 460	916 295	923 325	919 694	915 520
Change in Deffered Taxes	(123 861)	(139 586)	(7 753)	19 462	(13 150)	(52 933)	(44 694)	(44 089)	(135 163)	(74 011)	(182 706)	(109 872)	(73 114)	(2 555)	30 746	(14 024)	(27 382)	(116 969)	(76 575)	(60 694)	114 975	33 377	98 667	124 054	(238 034)	(94 039)	(29 050)	(23 379)	111 541	229 006	74 891	144 860	114 651	143 490	217 880	144 481	236 012	91 072	(56 512)	(119 577)	(140 174)	69 583	106 598	113 801	201 163	(236 570)	(159 597)	2 268 144	(353 126)	1 249 830	(8 257)	(2 165 115)	194 957	(1 179 979)	312 582	327 887	372 949	644 196	419 602	101 853
Stock-Based Compensation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	11 422	17 393	22 052	25 283	17 429	14 518	15 149	25 760	38 190	0	0	0	0	0	0	0	10 930	0	24 257	38 882	49 418	43 207	37 487	42 204	49 364	93 913	115 762	111 999	101 935	104 295	57 321	42 921	58 275	28 938	61 763	93 351	69 703	118 243	134 706	123 638	140 453	74 643	130 485	138 185
Other Non-Cash Items	1 390 997	1 285 070	1 054 720	438 502	599 699	849 615	1 354 541	1 766 289	1 547 316	1 724 266	1 789 760	1 322 044	1 435 751	1 250 802	901 586	1 171 143	1 314 420	1 370 184	1 264 160	1 739 610	1 238 582	1 114 005	1 193 827	665 959	532 527	640 960	1 382 149	1 678 158	2 139 344	2 266 936	2 144 638	1 929 287	2 000 529	2 028 130	1 950 863	1 857 775	1 758 737	2 105 559	2 143 879	2 473 731	2 733 898	3 321 363	3 545 637	3 701 099	3 358 752	314 294	(2 191 415)	(3 580 420)	(4 808 962)	(5 835 802)	(5 405 600)	(5 320 285)	(6 322 044)	(5 254 959)	(6 419 869)	(8 113 302)	(7 060 953)	(7 451 431)	(8 370 201)	(8 293 762)
Cash Interest Paid	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	6 513	9 769	25 617	45 264	22 860	33 166	46 930	59 694	71 537	80 508	79 547	81 651	126 402	144 572	163 991	177 547	184 915	192 282	196 672	198 235	199 800	201 363	202 587	203 958
Change in Working Capital	12 825 399	6 925 115	4 668 967	(2 229 317)	(7 364 967)	(2 105 421)	(837 888)	(837 693)	4 163 952	211 354	(4 249 709)	1 300 514	(9 258 727)	(6 533 901)	(21 720)	(6 040 686)	313 400	(3 532 485)	(3 306 615)	(830 059)	(1 144 689)	1 074 598	1 066 271	(49 140)	(1 649 124)	(3 061 106)	(10 995 149)	(13 109 442)	(10 980 714)	(16 609 009)	(14 910 345)	(14 095 847)	(14 758 378)	(2 299 482)	3 283 200	4 654 512	3 115 868	(3 656 319)	(15 891 389)	(15 992 786)	(18 685 476)	(23 126 585)	(15 157 093)	(14 659 556)	(15 651 249)	(11 665 672)	(9 085 487)	(15 714 258)	5 112 338	5 414 022	11 543 663	20 076 092	4 806 545	16 801 488	10 251 083	6 098 853	4 763 289	(1 883 025)	953 029	(2 671 473)
Cash from Operating Activities	14 660 278 N/A	8 858 266 -40%	7 456 648 -16%	448 252 -94%	(4 007 190) N/A	1 294 034 N/A	2 795 616 +116%	3 073 439 +10%	7 644 558 +149%	3 723 774 -51%	(1 179 377) N/A	3 929 136 N/A	(6 345 527) N/A	(3 792 896) +40%	2 630 547 N/A	(3 127 629) N/A	3 276 746 N/A	(350 014) N/A	(249 793) +29%	2 673 274 N/A	2 193 631 -18%	4 147 012 +89%	4 542 630 +10%	3 083 302 -32%	1 124 987 -64%	313 964 -72%	(6 316 955) N/A	(7 725 195) -22%	(4 836 025) +37%	(10 070 663) -108%	(8 711 439) +13%	(7 985 309) +8%	(8 957 618) -12%	3 520 310 N/A	9 233 708 +162%	10 512 551 +14%	9 400 706 -11%	2 752 698 -71%	(9 576 619) N/A	(9 139 281) +5%	(11 540 694) -26%	(14 640 842) -27%	(6 210 121) +58%	(5 447 104) +12%	(6 700 265) -23%	(6 074 868) +9%	(5 952 758) +2%	(11 533 861) -94%	4 760 492 N/A	5 681 756 +19%	11 287 933 +99%	17 740 367 +57%	4 108 816 -77%	15 371 257 +274%	9 369 915 -39%	3 809 292 -59%	4 020 186 +6%	(2 102 421) N/A	(376 447) +82%	(4 187 244) -1 012%
Investing Cash Flow
Capital Expenditures	(313 902)	(383 369)	(292 079)	(311 225)	(367 246)	(305 386)	(302 413)	(302 584)	(225 038)	(233 855)	(350 901)	(412 619)	(221 560)	(190 916)	(73 342)	28 775	(232 762)	(242 298)	(244 136)	(256 124)	(281 336)	(319 963)	(337 014)	(418 639)	(508 760)	(496 657)	(540 665)	(518 262)	(410 262)	(394 207)	(432 850)	(488 417)	(578 433)	(695 138)	(737 700)	(710 821)	(942 293)	(905 824)	(869 229)	(865 076)	(607 721)	(583 002)	(544 622)	(495 998)	(478 309)	(470 073)	(457 603)	(505 221)	(497 472)	(627 533)	(619 123)	(667 625)	(680 565)	(584 383)	(645 543)	(562 432)	(626 909)	(679 475)	(639 016)	(603 075)
Other Items	(2 216 034)	(860 307)	455 039	(1 348 967)	1 055 798	434 683	(1 693 192)	(315 151)	(2 307 196)	(2 840 261)	265 812	1 929 783	4 400 377	4 842 912	2 096 960	1 986 294	(1 451 535)	702 144	(1 288 886)	(5 113 736)	(4 793 994)	(3 319 577)	(6 248 032)	(6 134 131)	(3 929 778)	(7 325 250)	(4 597 807)	(5 173 476)	(8 319 157)	(8 098 784)	(7 247 128)	(3 454 092)	(3 901 853)	(6 767 184)	(5 894 779)	(11 482 603)	(11 392 131)	(11 577 751)	(12 241 307)	(13 176 041)	(10 380 689)	(5 032 131)	(7 397 745)	(4 961 034)	(3 377 705)	(10 056 480)	(10 459 852)	(10 725 585)	(19 138 407)	(10 318 843)	(8 960 846)	(9 450 387)	(2 838 927)	(10 531 839)	(10 967 886)	(4 372 800)	(3 198 146)	(585 720)	2 999 627	(1 092 146)
Cash from Investing Activities	(2 529 936) N/A	(1 243 676) +51%	162 960 N/A	(1 660 192) N/A	688 552 N/A	129 297 -81%	(1 995 605) N/A	(617 735) +69%	(2 532 234) -310%	(3 074 116) -21%	(85 089) +97%	1 517 164 N/A	4 178 817 +175%	4 651 996 +11%	2 023 618 -57%	2 015 069 0%	(1 684 297) N/A	459 846 N/A	(1 533 022) N/A	(5 369 860) -250%	(5 075 330) +5%	(3 639 540) +28%	(6 585 046) -81%	(6 552 770) +0%	(4 438 538) +32%	(7 821 907) -76%	(5 138 472) +34%	(5 691 738) -11%	(8 729 419) -53%	(8 492 991) +3%	(7 679 978) +10%	(3 942 509) +49%	(4 480 286) -14%	(7 462 322) -67%	(6 632 479) +11%	(12 193 424) -84%	(12 334 424) -1%	(12 483 575) -1%	(13 110 536) -5%	(14 041 117) -7%	(10 988 410) +22%	(5 615 133) +49%	(7 942 367) -41%	(5 457 032) +31%	(3 856 014) +29%	(10 526 553) -173%	(10 917 455) -4%	(11 230 806) -3%	(19 635 879) -75%	(10 946 376) +44%	(9 579 969) +12%	(10 118 012) -6%	(3 519 492) +65%	(11 116 222) -216%	(11 613 429) -4%	(4 935 232) +58%	(3 825 055) +22%	(1 265 195) +67%	2 360 611 N/A	(1 695 221) N/A
Financing Cash Flow
Net Issuance of Common Stock	0	478 706	478 706	2 281 663	2 281 524	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	(121 157)	(300 006)	(460 834)	(716 808)	(674 232)	(495 464)	(334 636)	(182 017)	(302 459)	(302 378)	(302 378)	(224 700)	(154 356)	(294 896)	(299 994)	(274 317)	0	0	0	0	0	0	0	0	0	0	0	0	(271 745)	(271 745)	(373 695)	(571 745)	(365 537)	(620 000)	(688 729)	(820 000)	(1 218 577)	(1 320 000)	(1 374 172)
Net Issuance of Debt	(11 686 800)	(8 130 763)	(6 481 597)	(284 293)	3 511 684	1 162 545	725 710	(169 649)	(3 459 572)	(2 164 812)	(1 816 605)	(3 182 370)	844 081	1 929 240	(2 041 553)	148 598	448 437	(1 389 045)	3 262 856	2 574 615	3 379 323	553 768	1 994 047	4 038 882	2 670 562	5 649 279	9 855 233	12 815 467	14 737 421	17 829 049	15 583 742	12 171 232	12 638 973	5 116 299	(1 413 267)	235 676	2 307 641	12 311 208	23 170 947	23 803 901	22 392 377	15 811 826	11 836 318	10 551 312	11 325 788	16 356 796	18 753 452	18 980 444	15 388 180	5 888 471	(403 736)	(2 488 486)	(2 363 903)	(3 630 665)	(52 265)	(3 045 273)	513 724	6 460 581	3 982 988	7 266 525
Cash Paid for Dividends	(143 497)	(143 499)	(101 363)	(94 902)	(87 494)	0	(296 606)	(286 915)	(278 173)	(278 173)	(231 811)	(231 811)	(231 811)	(231 811)	(193 176)	(193 176)	(193 176)	(193 176)	(301 354)	(301 354)	(301 354)	0	(378 625)	(378 625)	(378 625)	0	(497 968)	(497 968)	(497 969)	0	(766 729)	(766 729)	(766 728)	0	(759 736)	(762 992)	(759 736)	0	(861 092)	(857 836)	(861 092)	0	(689 653)	(981 879)	(981 879)	0	(1 340 342)	(1 242 933)	(1 437 750)	0	(1 150 570)	(1 151 719)	(1 151 900)	0	(1 278 056)	(1 382 090)	(1 486 978)	0	(1 232 509)	(1 267 161)
Other	45 969	89 288	47 356	(248 302)	(930 833)	(765 614)	(955 714)	(171 320)	485 482	1 508 388	2 697 442	(102 937)	1 094 869	(1 399 777)	(2 162 000)	406 911	(1 010 327)	729 977	603 393	1 966 239	177 296	287 374	156 895	(577 352)	1 606 197	1 168 159	1 466 975	1 328 561	631 311	1 330 648	1 201 401	(1 010 705)	96 227	(727 048)	(212 166)	1 776 199	1 004 020	1 482 269	2 356 821	3 285 961	3 730 991	4 768 351	2 765 022	1 360 687	477 489	(140 302)	1 192 441	866 318	1 229 394	1 154 705	262 745	2 649 670	2 848 479	3 409 769	4 499 931	349 064	(190 583)	(1 025 302)	(643 063)	(237 253)
Cash from Financing Activities	(11 784 328) N/A	(7 706 268) +35%	(6 056 898) +21%	1 654 166 N/A	4 774 881 +189%	2 128 405 -55%	1 276 208 -40%	(628 023) N/A	(3 252 263) -418%	(934 597) +71%	649 026 N/A	(3 517 118) N/A	1 707 139 N/A	297 652 -83%	(4 396 729) N/A	362 333 N/A	(755 066) N/A	(852 244) -13%	3 564 895 N/A	4 239 500 +19%	3 255 265 -23%	418 631 -87%	1 472 311 +252%	2 622 071 +78%	3 181 326 +21%	5 764 581 +81%	10 328 776 +79%	13 311 424 +29%	14 688 746 +10%	18 359 269 +25%	15 716 036 -14%	10 091 420 -36%	11 743 772 +16%	3 468 167 -70%	(2 680 065) N/A	948 889 N/A	2 277 608 +140%	12 888 103 +466%	24 661 578 +91%	26 232 026 +6%	25 262 276 -4%	19 719 085 -22%	13 911 687 -29%	10 930 120 -21%	10 821 398 -1%	15 234 615 +41%	18 605 551 +22%	18 603 829 0%	15 179 824 -18%	5 333 681 -65%	(1 563 306) N/A	(1 364 230) +13%	(1 239 069) +9%	(1 738 333) -40%	2 549 610 N/A	(4 767 028) N/A	(1 983 837) +58%	2 729 724 N/A	787 416 -71%	4 387 939 +457%
Change in Cash
Effect of Foreign Exchange Rates	36 931	26 520	(52 564)	35 369	32 982	69 880	95 656	14 827	(13 560)	1 836	49 409	20 172	41 452	30 520	(54 806)	4 621	12 227	8 148	36 507	58 709	65 557	72 258	136 725	73 667	89 142	29 535	28 588	(34 635)	(133 240)	(80 306)	(129 667)	(99 267)	(67 950)	68 048	3 325	142 938	137 019	78 782	21 233	(116 088)	(171 805)	(152 879)	(72 219)	47 346	158 249	108 263	262 246	491 586	197 199	167 979	53 553	(221 208)	(58 465)	85 226	217 198	51 615	570 985	501 721	17 403	263 264
Net Change in Cash	382 945 N/A	(65 158) N/A	1 510 146 N/A	477 595 -68%	1 489 225 +212%	3 621 616 +143%	2 171 875 -40%	1 842 508 -15%	1 846 501 +0%	(283 103) N/A	(566 031) -100%	1 949 354 N/A	(418 119) N/A	1 187 272 N/A	202 630 -83%	(745 606) N/A	849 610 N/A	(734 264) N/A	1 818 587 N/A	1 601 623 -12%	439 123 -73%	998 361 +127%	(433 380) N/A	(773 730) -79%	(43 083) +94%	(1 713 827) -3 878%	(1 098 063) +36%	(140 144) +87%	990 062 N/A	(284 691) N/A	(805 048) -183%	(1 935 665) -140%	(1 762 082) +9%	(405 797) +77%	(75 511) +81%	(589 046) -680%	(519 091) +12%	3 236 008 N/A	1 995 656 -38%	2 935 540 +47%	2 561 367 -13%	(689 769) N/A	(313 020) +55%	73 330 N/A	423 368 +477%	(1 258 543) N/A	1 997 584 N/A	(3 669 252) N/A	501 636 N/A	237 040 -53%	198 211 -16%	6 036 917 +2 946%	(708 210) N/A	2 601 928 N/A	523 294 -80%	(5 841 353) N/A	(1 217 721) +79%	(136 171) +89%	2 788 983 N/A	(1 231 262) N/A

Income Statement Balance Sheet Cash Flow Statement

KB Financial Group Inc
NYSE:KB

Cash Flow Statement

Cash Flow Statement
KB Financial Group Inc

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KB Financial Group Inc NYSE:KB

Cash Flow Statement

Cash Flow Statement KB Financial Group Inc

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KB Financial Group Inc
NYSE:KB

Cash Flow Statement
KB Financial Group Inc