IBK Industrial Bank of Korea posted first-half consolidated net profit of 1.44 trillion won. It increased small and medium-sized enterprise loans to 270 trillion won, lifting market share to a record 24.6 percent, but net profit fell from a year earlier due to foreign-exchange valuation losses and higher loan-loss provisions.

IBK Industrial Bank of Korea said on July 27 that first-half consolidated net profit fell 4.4 percent from a year earlier to 1.44 trillion won. Standalone net profit dropped 9.0 percent to 1.21 trillion won.

Net interest income improved on growth in interest-earning assets and lower funding costs, and profit and loss related to securities also increased. But larger foreign-exchange valuation losses due to a weaker won and higher loan-loss provisions weighed on net profit.

First-half SME loan balances rose 8.1 trillion won from end-2025 to 270 trillion won. As a result, the bank's share of the SME finance market hit a record high of 24.6 percent.

The credit cost ratio rose to 0.46 percent, up 0.05 percentage point from a year earlier. The non-performing loan ratio fell 0.01 percentage point from end-2025 to 1.27 percent.

The bank will pay a quarterly dividend for the first time. The record date is July 31 and the dividend per share was set at 210 won.

A bank official said it prepared a foundation for productive financial support and an AI transition through an organisational reshuffle in the second half. The official said it also plans to strengthen shareholder returns through the first quarterly dividend.