Corporate Value-up Plan
IBK is pursuing its corporate value-up plan based on stable asset growth and earnings generation centered on SME finance. Despite challenging domestic and external conditions, the bank maintained solid profitability and secured a CET1 ratio of 11.48% and a BIS ratio of 14.78% as of the end of 2025.
IBK is diversifying its earnings base by increasing the share of non-interest income, moving away from a structure heavily reliant on interest income, while improving earnings quality through cost efficiency and proactive risk management. It continues to maintain asset quality by managing the NPL ratio and credit cost ratio at stable levels, and is pursuing a mid- to long-term target of achieving a CET1 ratio of 12.5%. In addition, it aims to expand the dividend payout ratio to 40% or higher.
Enhancing Profitability
IBK is strengthening its profitability by diversifying its earnings structure based on its competitiveness in SME finance. While maintaining a stable interest income base, the bank is increasing the share of non-interest income and improving earnings quality through cost efficiency and enhanced risk management.
IBK is also expanding its growth foundation through the expansion of global operations and the advancement of digital finance. On this basis, the bank aims to achieve an ROE of 10% or higher over the mid- to long-term, and will continue to reinforce its earnings capacity.
Increasing Shareholder Returns
IBK maintains a high dividend payout ratio and is pursuing a shareholder return policy with the mid- to long-term goals of achieving a CET1 ratio of 12.5% and expanding the payout ratio to 40% or higher.
The bank is introducing a quarterly dividend policy to improve cash flow, reduce ex-dividend impact on share prices, and enhance overall dividend consistency and visibility for investors.
Enhancing Investor Communication
IBK is reinforcing transparent communication with the market to enhance corporate value. The bank has institutionalized earnings presentations and conference calls with direct participation from senior management, while expanding IR activities targeting domestic and international institutional investors.
It is also improving information accessibility through online channels and voluntary disclosures, and reinforcing trust with the capital markets by more clearly communicating its management strategy and mid- to long-term direction.
The bank's corporate value-up plan is a strategy aimed at increasing both corporate and shareholder value, based on its competitiveness as a specialized bank for SME finance.
