IBK Industrial Bank of Korea posts record 2.7189 trillion won net profit in 2025

IBK Industrial Bank of Korea said it posted its best-ever results last year, helped by growth in lending to small and midsize enterprises and higher noninterest income supported by a more stable exchange rate. 

The bank said Thursday that its consolidated net profit rose 2.4% from a year earlier to 2.7189 trillion won. 

It said the figure was a record. On a standalone basis, net profit totaled 2.3858 trillion won. The bank attributed the steady earnings to investments in promising innovative companies and improved noninterest income, while cutting funding costs to help protect interest income even as it expanded SME lending. 

Outstanding SME loans increased 14.7 trillion won from the end of the previous year to 261.9 trillion won, with a market share of 24.4%. Total loans also rose 15 trillion won, pushing the bank’s standalone total assets above 500 trillion won. 

Key indicators showed the ratio of substandard or lower loans fell 0.06 percentage points from the end of 2024 to 1.28%. The credit cost ratio slipped 0.01 percentage point to 0.47%, which the bank said reflected the impact of additional provisions it had built up preemptively after the COVID-19 pandemic. 

Return on equity and return on assets were provisionally tallied at 7.71% and 0.56%, respectively. The Bank for International Settlements capital ratio was provisionally estimated at 14.81%. 

An IBK official said the bank plans to expand funding for “productive” areas by 추진해 첨단·혁신산업, 창업·벤처기업, 지방 소재 중소기업 등 생산적 분야에 대한 자금 지원을 확대할 계획”이라고 말했다.