韩国国民银行 2025年年度报告和过渡报告

(Mark One) ☐REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR (g)OF THE SECURITIES EXCHANGE ACT OF 1934OR☒ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the fiscal year endedDecember 31,2024OR☐TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934For the transition period fromto.OR☐SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934Date of event requiring this shell company report.Commission file number000-53445KB Financial Group Inc.(Exact name of Registrant as specified in its charter)KB Financial Group Inc.(Translation of Registrant’s name into English)The Republic of Korea(Jurisdiction of incorporation or organization)26, Gukjegeumyung-ro 8-gil,Yeongdeungpo-gu,Seoul07331,Korea(Address of principal executive offices)Peter BongJoong Kwon18F, Kookmin Bank,141, Uisadang-daero,Yeongdeungpo-gu,Seoul07332,KoreaTelephone No.:+82-2-2073-2842Facsimile No.:+82-2-2073-2848(Name, telephone,e-mailand/or facsimile number and address of company contact person)Securities registered or to be registered pursuant to Section12(b) of the Act.Title of each classTrading Symbol(s)Name of each exchange on which registeredAmerican Depositary Shares, eachrepresenting one share of Common StockKBNew York Stock ExchangeCommon Stock, par value￦5,000 per shareKBNew York Stock Exchange*Securities registered or to be registered pursuant to Section12(g) of the Act.NoneSecurities for which there is a reporting obligation pursuant to Section15(d) of the Act.NoneIndicate the number of outstanding shares of each of the issuer’s classes of capital or common stock as of the close of theperiod covered by the annual report. If this report is an annual or transition report, indicate by check mark if the registrant is not required to file reports pursuant to Section13 or 15(d) of the Securities Exchange Act of 1934.☐Yes☒No Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter periodthat the registrant was required to file such reports), and (2)has been subject to such filing requirements for the past 90 days.☒Yes☐No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of RegulationS-T(§232.405 of this chapter) during thepreceding 12 months (or for such shorter period that the registrant was required to submit such files).☒Yes☐No Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, anon-acceleratedfiler or an emerging growth company. See the definitions of “large accelerated filer,” “acceleratedfiler” and “emerging growth company” in Rule12b-2of the Exchange Act: ☒Large accelerated filer☐Accelerated filer☐Non-acceleratedfiler☐Emerginggrowth company Indicate by check mark whether the registrant has filed a report on and attestation to its management’s assessment of the effectiveness of its internal control over financial reporting under Section404(b) of theSarbanes-Oxley Act (§ 15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its audit report.☒Yes☐No If securities are registered pursuant to Section12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filing reflect the correction of an error to previously issuedfinancial statements:☐ Indicate by check mark which basis of accounting the registrant has used to prepare the financial statements included in this filing: Table of Contents TABLE OF CONTENTSPRESENTATION OF FINANCIAL AND OTHER INFORMATIONFORWARD-LOOKINGSTATEMENTSItem1.IDENTITY OF DIRECTORS, SENIOR MANAGEMENT AND ADVISERSItem2.OFFER STATISTICS AND EXPECTED TIMETABLEItem3.KEY INFORMATIONItem3.A.[Reserved]Item3.B.Capitalization and IndebtednessItem3.C.Reasons for the Offer and Use of ProceedsItem3.D.Risk FactorsItem4.INFORMATION ON THE COMPANYItem4.A.History and Development of the CompanyItem4.B.Business OverviewItem4.C.Organizational StructureItem4.D.Property, Plants and EquipmentItem4A.UNRESOLVED STAFF COMMENTSItem5.OPERATING AND FINANCIAL REVIEW AND PROSPECTSItem5.A.Operating ResultsItem5.B.Liquidity and Capital ResourcesItem5.C.Research and Development, Patents and Licenses, etc.Item5.D.Trend InformationItem5.E.Critical Accounting EstimatesItem6.DIRECTORS, SENIOR MANAGEMENT AND EMPLOYEESItem6.A.Directors and Senior ManagementItem6.B.CompensationItem6.C.Board PracticesItem6.D.EmployeesItem6.E.Share OwnershipItem6.F.Disclosure of a Registrant’s Action to Recover Erroneously Awarded CompensationItem7.MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONSItem7.A.Major ShareholdersItem7.B.Related Party TransactionsItem7.C.Interests of Experts and Counsel Table of Contents Item16D.EXEMPTIONS FROM THE LISTING STANDARDS FOR AUDIT COMMITTEES213Item16E.PU