K Bank said on March 23 it posted net profit of 112.6 billion won last year.

It added 2.78 million new customers last year, taking total customers to 15.53 million. Deposit balances stood at 28.43 trillion won at end-2025. Crypto asset deposits fell, but personal deposits increased by 2.42 trillion won from a year earlier. Demand deposits expanded, led by its Plus Box parking account, lifting the share of demand deposits to 65.8 percent from 59.5 percent.

Loan balances came to 18.38 trillion won, up 13 percent from end-2024. Loans to sole proprietors led the growth, with balances expanding to 2.31 trillion won from 1.15 trillion won. Sole proprietor real estate-backed loans rose to 560 billion won from 70 billion won.

Net interest income was 444.2 billion won, down 7.8 percent from a year earlier. The bank reflected higher interest costs on deposits despite growth in loans and earning assets.

Non-interest income, however, rose about 40 percent from a year earlier to 113.3 billion won. Gains from bond sales, MMF operating income and expanding platform advertising revenue contributed.

Asset quality indicators also improved. The delinquency rate fell to 0.60 percent from 0.90 percent, and the substandard-or-below loan ratio declined to 0.57 percent from 0.82 percent. The credit cost ratio improved to 1.22 percent from 1.59 percent.

Its BIS ratio stood at 14.52 percent at end-2025. The bank reflected profit generation and the issuance of hybrid capital securities despite loan growth.

K Bank plans to increase customers to 18 million this year and pursue a growth strategy focused on platforms, corporate lending, AI and digital assets.

K Bank Chief Executive Woo-hyung Choi (최우형) said, "This year will be a turning point for K Bank to make a leap forward." He said, "We will continue our growth by strengthening platform competitiveness, expanding corporate finance, and advancing our AI and digital asset capabilities."