Growing Together,
Trusted IBK
Message
from the CEO
In 2025 the global operating environment was shaped by heightened geopolitical tensions as well as continued uncertainty in monetary policies. Despite these headwinds, IBK remained committed to its core mission as a policy bank and delivered resilient performance.
Financial Highlights
In 2025, IBK recorded a net income of KRW 2,385.8 billion (a 1.7% year-on-year decrease) on a separate basis and KRW 2,718.9 billion (a 2.4% year-on-year increase) on a consolidated basis. The result is attributable to sustained loan growth toward SMEs and microbusinesses despite an uncertain business environment.
The outstanding balance of IBK's SME loans reached KRW 261.9 trillion, with a market share of 24.41%—an all-time high—reinforcing IBK's standing as Korea's leading SME finance bank. Additionally, the bank's key asset quality indicators remained stable: BIS ratio at 14.78%, liquidity coverage ratio at 104.52%, credit cost ratio at 0.47%, and NPL ratio at 1.28%.
VALUE INSIGHTS
As a specialized bank dedicated to SME finance, IBK creates sustainable value through responsible management. The bank fulfills the role of finance in enabling the shared growth of customers, markets, and society, while maintaining a balanced approach between innovation and stability to achieve solid, sustainable growth amid change.
Going forward, we will continue to uphold our role and responsibility as a leading SME finance bank and contribute to building a sustainable financial ecosystem.
