IBK Annual Report 2025

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Powering Innovation
& Start-up Growth

IBK operates a tailored financial support framework aligned with each stage of growth for innovative companies and startups, fostering the sustainable development of the startup ecosystem. By integrating venture capital, venture lending, and technology finance, IBK enhances access to funding for early-stage companies while supporting business expansion and strengthening competitiveness for growth-stage firms.

Expanding the Foundation for Innovative Finance

IBK operates a comprehensive support system that integrates financial and nonfinancial services to help technologically competitive innovative companies and startups overcome key growth thresholds and expand into global markets. Technology finance, venture capital, and startup incubation programs are combined to address the stage-specific funding needs of innovative companies.
As of the end of December 2025, the technology finance balance stood at KRW 130.4 trillion, representing a 40.9% market share, the highest in the banking sector. IBK also expanded support for companies holding the 12 national strategic technologies, and IP loans supplied KRW 113.9 billion to 179 companies, strengthening funding access for technology-based firms.
Venture capital investment also expanded. Over the three years from 2023 to 2025, IBK deployed a cumulative KRW 2.7 trillion, surpassing its target. In 2025 alone, the bank supplied KRW 949.4 billion, and 13 portfolio companies successfully completed IPOs.

IBK Changgong

IBK Changgong is a startup incubation platform designed to identify and nurture innovative startups. As the first startup incubation program in the financial sector, it supports early-stage companies in refining their business models and building a foundation for growth.
As of the end of 2025, IBK Changgong has identified and nurtured a cumulative total of 1,158 innovative startups, providing KRW 2.9 trillion in financial support (investments and loans) and 15,537 instances of nonfinancial support.
IBK Changgong helps startups attract investment and expand business collaboration by offering mentoring, expert consulting, IR sessions, and Demo Days. The platform also connects with global acceleration programs to create pathways for overseas market entry, helping early-stage companies overcome the "valley of death" and establish a sustainable growth base.

Participation in CES 2026

IBK participated in CES 2026, the world's largest IT and home appliance show, showcasing its innovation finance model and startup support achievements. The bank operated a standalone booth—the only Korean bank to do so—and introduced innovation finance solutions, including its New Technology Evaluation System, at the "IBK Innovation Hall."
The booth featured seven promising startups identified through the New Technology Evaluation System, while the "IBK Changgong Hall" within KOTRA's Korea Pavilion showcased 15 IBK Changgong-nurtured companies. Two of these companies received CES Innovation Awards, and on-site meetings with global investors and buyers expanded opportunities for overseas market entry. As a financial partner for technology-driven growth companies, IBK supports the expansion of the innovation ecosystem and strengthens the competitiveness of future industries.

Junghyun Eom

CEO, MainSpace

We have proven our global competitiveness through our 3D spatial design automation technology.

MainSpace develops solutions that automatically generate 3D interior designs and cost estimates. By leveraging advanced technology, the company simplifies complex, demanding interior design processes and makes them more accessible.

Receiving the CES Innovation Award is highly meaningful for us. It demonstrates that our technology is recognized not simply as an interior service, but as a design technology platform with global market competitiveness in spatial design. We also see this as an opportunity to showcase the potential of spatial design automation that combines AI and 3D technologies.

IBK Changgong served as a critical foundation in the commercialization of our early-stage technology. Through mentoring and business strategy support, we were able to develop our technology into a market-ready service. In addition, access to investment networks and opportunities for collaboration with various companies significantly expanded our potential for business expansion. This support enabled us to rapidly validate our technology in the real market and accelerate our growth.

www.mainspaceinc.com
Steve Park

CEO, UMED

We are driving medical innovation through AI-powered urology healthcare.

UMED is an AI-based urological healthcare company with a mission to extend hospital-centered urological care beyond clinical settings—reaching untreated patients and the broader population through a management-focused care model. Founded by CEO Steve Park, a board-certified urologist, the company has developed medical devices and an LLM-based urology AI platform to address real-world clinical challenges.

UroRinse™ Light, an automated bladder irrigation system, is the world's first solution to standardize and automate bladder irrigation—a procedure traditionally performed manually. Receiving the CES 2026 Innovation Award in the Digital Health category is particularly significant for us, as it demonstrates global recognition of Korean medical technology for both its innovation and clinical value. We also view this as validation of our "Hospital to Everyone" vision—extending urological care into the digital healthcare ecosystem.

IBK Changgong played a pivotal role in shaping our early business strategy and building a foundation for growth. Mentoring, network access, and investment linkages expanded our business opportunities, enabling us to validate our technology in the market and advance toward commercialization. Participating in the IBK Changgong joint booth at CES 2026 provided an opportunity to showcase our technology and products to the global audience. Building on this momentum, we aim to grow into a leading global digital healthcare company.

www.umedglobal.com