Customer-Centric Wealth Management
IBK's Wealth Management (WM) Group enhances customer asset value by establishing asset allocation strategies aligned with market conditions and managing a diversified investment portfolio, including funds, insurance, and trust products. Comprehensive asset management services—such as customized portfolio design and integrated advisory services covering inheritance, succession planning, and consulting leveraging various trust products—are broadening the bank's non-interest income base.
The Investment Product Policy Council supplies investment products that reflect market conditions and customer demand while offering systematic asset allocation guidelines to promote customer-centric, complete sales practices. The bank also strengthens sales of WM products and enhances market competitiveness through marketing and sales support activities.
Wealth Management Capabilities
IBK is elevating its WM infrastructure and WM execution capabilities to further advance a customer value-centered WM business model. The bank has upgraded its customer wealth management support system, WIN CLASS, to offer asset allocation portfolio guides that reflect IBK's proprietary investment strategies. A range of WM solutions—including tax-saving simulations—has established a customized WM support framework tailored to individual customer characteristics.
The bank also continues to build the capabilities of its WM professionals. It identifies and nurtures high-potential talent as future WM specialists and enhances the quality of WM consultations through expertise-focused talent development. For SME clients, IBK provides comprehensive WM consulting services covering finance, taxation, real estate, business succession, IPOs, retirement pensions, and M&A, broadening its WM offerings.
For top-tier VIP customers, the bank operates differentiated programs to strengthen customer engagement. Cultural and networking programs that reflect customers' interests and preferences reinforce relationships with key WM customers. Enhanced brand recognition of WIN CLASS also lays the groundwork for the long-term expansion of the bank's WM business.
IBK WIN CLASS Customer Love Concert (May 2025)
"IBK Wealth Management Golden Bell Season 2," strengthening employee capabilities across all areas of wealth
management through a quiz competition involving staff at all levels
Wealth Management Competitiveness
Bancassurance
IBK is establishing a complete sales environment in its bancassurance business by identifying competitive insurance products and accelerating digital transformation. The bank strengthened product competitiveness by focusing on strategic offerings—such as fixed annuity, short- and mid-term savings insurance, and U.S. dollar-denominated insurance—while driving field-oriented marketing. As a result, IBK achieved KRW 10.43 billion in total sales commissions as of the end of December 2025.
Additionally, the bank introduced electronic documentation for the Yellow Umbrella Mutual Aid program, addressing the limitations of paper-based processes such as missing mandatory information and handwritten errors. Newly added digital sales channels—including IBK BOX (web), i-ONE Bank (corporate) smart banking, and personal and corporate internet banking—established a digitally enabled complete sales environment.
Mutual Funds
In the mutual fund business, IBK established a product supply and complete sales process framework aligned with market conditions and customer needs. The bank launched 20 new products—including ultra-short-term and short- to mid-term bond funds—while streamlining and reducing underperforming fund products to improve post-sale management efficiency.
IBK implemented a "Fund Complete Sales Consultation System" to provide one-stop support from initial consultation through new subscription, systematizing the sales process. Ongoing seller training across multiple channels—including conference call sessions and IBKTUBE video lectures—has further strengthened internal capabilities to prevent incomplete sales practices.
Trusts
As of the end of 2025, IBK's money trust balance reached KRW 23.1 trillion, representing a market share of 12.51% (as of October 2025), with revenue of KRW 34.58 billion. This reflects stable growth.
In the ultra-short-term Money Market Trust (MMT) business, IBK became the first bank to host a briefing session for key institutional clients in the first half of the year. On-site MMT proposal presentations in the second half further expanded client engagement. As a result, the trust balance increased by KRW 900 billion from the previous year-end to KRW 18.8 trillion, and IBK maintained the leading market share in the banking sector's MMT segment.
In response to growing demand for U.S. dollar-denominated assets amid interest rate cuts and exchange rate appreciation, the bank launched U.S. Treasury bond products in June 2025, recording total sales of USD 170 million. The bank also expanded its ETF-Specified Money Trust (SMT) lineup to 116 products to meet rising demand driven by the domestic stock market rally, while strengthening field-level sales support. These efforts generated cumulative sales of KRW 556.5 billion and revenue of KRW 2.83 billion in 2025.
In the property trust business, IBK deepened its commitment to public interest and customer-tailored structuring, with a focus on living trusts. The bank signed an MOU with the Seoul National University Foundation to promote the activation of living trusts, contributing to the spread of a culture of giving. The bank also established a customized trust design framework by introducing tailored special provisions that reflect the specific needs of individual customers.
IBK also launched "IBK Companion Trust for People with Disabilities" to support asset protection and the establishment of a stable living foundation for persons with disabilities, broadening the public interest function and social role of its trust business.
