KB Financial Group is one of Korea's largest financial holding companies, anchored by Kookmin Bank, a leading Korean commercial bank. KB's core business is taking deposits and making loans to retail customers, SMEs, and large corporations across Korea. KB is the largest private-sector mortgage lender in Korea, with mortgages and home equity loans representing roughly 29% of total loans. SME lending is the largest corporate segment at roughly 33% of total loans, and KB also maintains a large corporate lending book. KB distributes its products through 771 branches and a mobile banking app, KB Star Banking, with over 24 million registered users. KB serves approximately 39 million retail customers — over half of Korea's population. Beyond banking, KB operates credit cards through KB Kookmin Card, non-life and life insurance through KB Insurance and KB Life Insurance, and securities brokerage and asset management through KB Securities. KB earns primarily on the spread between loan yields and deposit costs, funded by a large, low-cost retail deposit base. Fee income comes from credit cards, wealth management, securities brokerage, investment banking, and insurance premiums. KB's holding company structure allows it to share customer data across subsidiaries and cross-sell banking, insurance, securities, and card products — a key strategic advantage. Nonbanking subsidiaries drive roughly 70% of group fee income and about 37% of net profit, a share management is actively growing.