IBK Annual Report 2025

Green Finance

IBK has demonstrated systematic greenhouse gas (GHG) management for eight consecutive years by surpassing its reduction targets under the government's GHG Reduction Target Management System. As of 2025, actual emissions totaled 55,321 tCO₂, compared with an allowable emission level of 61,163 tCO₂, representing a reduction of approximately 9.6%. IBK has also built an integrated, group-wide ESG management framework encompassing its subsidiaries, aligned with global ESG disclosure standards such as ISSB. As the first policy financial institution to adopt a natural capital management framework, the bank is further strengthening the foundation for ESG management across the financial sector.

Implementing K-Taxonomy-Based Green Loan Framework

IBK is steadily expanding its green finance portfolio with the goal of increasing the share of green finance to 13% by 2030, supporting SMEs in achieving a stable green transition.

In the second half of 2025, IBK introduced a K-Taxonomy-based green loan program and has been promoting its adoption through interest rate incentives. The bank plans to expand the program to improve SMEs' access to green finance and support their practical transition to environmentally sustainable operations and carbon reduction.

Green Finance Strategy

Participating in Global ESG Initiatives

Since joining the UN Global Compact (UNGC) in 2006, IBK has pursued responsible ESG management while collaborating with global initiatives in line with international trends. In 2024, IBK joined organizations such as the TNFD and KoSIF, further strengthening engagement with domestic and international ESG initiatives. IBK plans to continue participating in cross-border coalitions that promote a sustainable society.

ESG Achievements

IBK received strong recognition in major global ESG assessments in 2025.

IBK was included in the FTSE4Good global ESG index for the third consecutive year, reflecting strong environmental and social performance. In the MSCI ESG Rating, IBK received an overall A rating, earning high marks for environmental impact management, human capital development, and corporate ethics. In the Sustainalytics ESG Risk Rating, the bank maintained a "Low Risk" rating, marking four consecutive years of improvement.

At the Global Vision Awards, hosted by the U.S.-based LACP, IBK received a Platinum Award in the sustainability report category, gaining international recognition for the quality of its ESG disclosure and communications.

Creating Social Value

As a policy financial institution, IBK conducts corporate social responsibility activities focused on SMEs, workers, and vulnerable members of local communities—working to generate meaningful social value. IBK has expanded its scope beyond financial support to encompass welfare, education, culture and the arts, the environment, and global CSR, building a sustainable social contribution model that reflects IBK's distinct identity.

Supporting SME Employees and Their Families

IBK established the IBK Foundation, a public-interest foundation, in 2006 to promote the welfare of SME employees and their families, contributing a cumulative total of KRW 110.8 billion to date. In 2025, IBK awarded KRW 26.8 billion in scholarships to 14,797 children of SME employees with outstanding academic records. The bank also provided KRW 19.7 billion in medical expense support to 4,753 family members of SME employees living with rare or serious illnesses.

Additionally, IBK operates "IBK Mentoring," an online learning program pairing students with university mentors, which has provided academic mentoring to 6,008 students as of 2025. IBK was the first financial institution in Korea to establish shared childcare centers for SME employees, operating facilities at the Namdong Industrial Complex (opened 2018) and the Gumi Industrial Complex (opened 2019) to support employees in balancing work and family life. IBK further supports SME employees who fall outside the welfare safety net by providing financial education, assistance for underprivileged groups, and a range of other social contribution programs.

Supporting Vulnerable Groups in Local Communities

IBK actively supports economically disadvantaged members of local communities. Since 2023, in collaboration with the Ministry of Health and Welfare, "IBK Wings for Hope" has provided scholarships, financial education, mentoring, and legal counseling to vulnerable young adults—including youth leaving the foster care system—supporting their stable transition to independence.

Additionally, IBK operates programs for multicultural families and foreign workers, providing assistance to support basic living stability, self-reliance, and participation in cultural activities. In response to the challenges of a super-aged society, IBK subsidizes labor costs for SMEs that hire low-income elderly individuals living alone and provides support for caregiving and medical expenses for employees supporting elderly parents. These initiatives help expand employment opportunities for older adults while reducing the financial burden on SME employees.

IBK maintains regular sponsorships for welfare facilities serving the elderly, children, and people with disabilities through its 21 regional headquarters nationwide. Employee-led volunteer clubs also actively promote a culture of community giving. IBK also participates in blood donation campaigns and disaster recovery efforts, and operates the "Good Love Meal Truck" program at 30 locations nationwide, delivering meals and support to underserved groups and elderly individuals living alone.

Pursuing Environmentally Focused CSR and Global ESG Activities

IBK pursues social contribution initiatives centered on environmental protection and sustainable management. The IBK Greening Project supports the creation of urban green spaces using funds raised through an employee step donation campaign. Funds raised in 2025 are designated for forest restoration in areas affected by wildfires.

To fulfill its social responsibilities as a global financial institution, IBK dispatches volunteer teams of approximately 210 employees annually to Mongolia and Indonesia. These teams engage in global ESG activities, including tree planting, marine ecosystem conservation, and the improvement of educational environments.

Broadening Social Contribution Through Culture and the Arts

The IBK Arts Road initiative repurposes factories and idle spaces in industrial complexes into cultural venues, providing workers and residents with greater access to the arts. Following projects at the Sihwa National Industrial Complex in 2023 and the Banwol National Industrial Complex in 2024, IBK converted an SME workspace in Daegu Seongseo Industrial Complex into an arts venue in 2025. The Art Plaza and IBK Art Station programs support emerging artists by hosting exhibitions at IBK headquarters and nearby cultural venues, while linking artwork production with promotional activities to foster creative endeavors.

IBK Together, a music-based CSR program for SME employees and microbusinesses, provides instrument education and regular performance opportunities, enabling participants to experience cultural and artistic achievement.

IBK also operates programs such as the IBK All Together Concert and IBK All Together Art Camp for multicultural families and foreign workers, as well as IBK Dream Wings, an artist development program for people with developmental disabilities—fostering social integration and independence through the arts. IBK contributes to the broader sports ecosystem by sponsoring non-mainstream sports and supporting promising athletes.