General - Financial informations Maximum exposure and Loss recognised of unconsolidated structured entities (Details) - KRW (₩)
₩ in Millions |
12 Months Ended |
Dec. 31, 2025 |
Dec. 31, 2024 |
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Purchase commitment |
₩ 3,638,934
|
₩ 2,817,626
|
| Investments in MMF(Money Market Funds) |
1,862,861
|
187,159
|
| Asset securitization |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Total asset of the unconsolidated structured entities |
12,118,202
|
9,725,385
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
5,640,625
|
6,941,360
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
162
|
242
|
| The maximum exposure to risks |
5,669,611
|
7,026,784
|
| Investment assets |
5,640,625
|
6,941,360
|
| Purchase commitment |
0
|
0
|
| Credit offerings and others |
28,986
|
85,424
|
| Loss recognized on unconsolidated structured entities |
₩ 0
|
₩ 0
|
| Disclosure of information about interests in structured entity |
Unconsolidated structured entities classified as ‘asset securitization’ are entities that issue asset-backed securities, pay the principal and interest or distribute dividends on asset-backed securities through borrowings or profits from the management, operation and sale of securitized assets. The Group has been purchasing commitments of asset-backed securities or issuing asset-backed securities through credit grants and recognizes related interest or fee revenue. There are entities that provide additional funding and conditional debt acquisition commitments before the Group’s financial support, but the Group is still exposed to losses arising from the purchase of financial assets issued by the structured entities when it fails to renew the securities.
|
Unconsolidated structured entities classified as ‘asset securitization’ are entities that issue asset-backed securities, pay the principal and interest or distribute dividends on asset-backed securities through borrowings or profits from the management, operation and sale of securitized assets. The Group has been purchasing commitments of asset-backed securities or issuing asset-backed securities through credit grants and recognizes related interest or fee revenue. There are entities that provide additional funding and conditional debt acquisition commitments before the Group’s financial support, but the Group is still exposed to losses arising from the purchase of financial assets issued by the structured entities when it fails to renew the securities.
|
| Asset securitization | Financial assets at FVTPL |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
₩ 75,519
|
₩ 10,923
|
| Asset securitization | Financial assets at FVTOCI |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
1,341,132
|
1,813,481
|
| Asset securitization | Financial assets at amortized cost |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
4,223,974
|
5,116,956
|
| Asset securitization | Investments in joint ventures and associates |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Asset securitization | Derivative assets |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Asset securitization | Derivative liabilities |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Asset securitization | Other liabilities (provisions) |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
162
|
242
|
| Structured finance |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Total asset of the unconsolidated structured entities |
230,294,151
|
130,281,870
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
11,104,844
|
5,512,070
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
2,434
|
2,270
|
| The maximum exposure to risks |
13,356,328
|
6,402,819
|
| Investment assets |
11,104,844
|
5,512,070
|
| Purchase commitment |
335,651
|
0
|
| Credit offerings and others |
1,915,833
|
890,749
|
| Loss recognized on unconsolidated structured entities |
₩ 122,139
|
₩ 84,962
|
| Disclosure of information about interests in structured entity |
Unconsolidated structured entities classified as ‘structured finance’ include real estate project financing investment vehicles, social overhead capital companies, and special purpose companies for ship (aircraft) financing. Each entity is incorporated as a separate company with a limited purpose in order to efficiently pursue business goals and the fund is raised by equity investment or loans from financial institutions and participating institutions. ‘Structured financing’ is a financing method for large-scale risky business, with investments made based on feasibility of the specific business or project, instead of credit of business owner or physical collaterals. The investors receive profits from the operation of the business. The Group recognizes interest revenue, profit or loss from assessment or transactions of financial instruments, or dividend income. With regard to uncertainties involving structured financing, there are entities that provide financial support such as additional funds, guarantees and prioritized credit grants prior to the Group’s intervention, but the Group is exposed to possible losses due to loss of principal from reduction in investment value or irrecoverable loans arising from failure to collect scheduled cash flows and cessation of projects.
|
Unconsolidated structured entities classified as ‘structured finance’ include real estate project financing investment vehicles, social overhead capital companies, and special purpose companies for ship (aircraft) financing. Each entity is incorporated as a separate company with a limited purpose in order to efficiently pursue business goals and the fund is raised by equity investment or loans from financial institutions and participating institutions. ‘Structured financing’ is a financing method for large-scale risky business, with investments made based on feasibility of the specific business or project, instead of credit of business owner or physical collaterals. The investors receive profits from the operation of the business. The Group recognizes interest revenue, profit or loss from assessment or transactions of financial instruments, or dividend income. With regard to uncertainties involving structured financing, there are entities that provide financial support such as additional funds, guarantees and prioritized credit grants prior to the Group’s intervention, but the Group is exposed to possible losses due to loss of principal from reduction in investment value or irrecoverable loans arising from failure to collect scheduled cash flows and cessation of projects.
|
| Structured finance | Financial assets at FVTPL |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
₩ 2,101,491
|
₩ 20,898
|
| Structured finance | Financial assets at FVTOCI |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
50,419
|
44,477
|
| Structured finance | Financial assets at amortized cost |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
8,951,737
|
5,444,604
|
| Structured finance | Investments in joint ventures and associates |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Structured finance | Derivative assets |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
1,197
|
2,091
|
| Structured finance | Derivative liabilities |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
89
|
421
|
| Structured finance | Other liabilities (provisions) |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
2,345
|
1,849
|
| Investment Fund |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Total asset of the unconsolidated structured entities |
473,869,175
|
268,076,078
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
13,194,525
|
7,694,857
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
992
|
0
|
| The maximum exposure to risks |
18,399,891
|
11,588,447
|
| Investment assets |
13,194,525
|
7,694,857
|
| Purchase commitment |
4,768,592
|
3,892,107
|
| Credit offerings and others |
436,774
|
1,483
|
| Loss recognized on unconsolidated structured entities |
₩ 239,152
|
₩ 200,672
|
| Disclosure of information about interests in structured entity |
Unconsolidated structured entities classified as ‘investment funds’ include investment trusts and private equity funds. An investment trust orders the investment and operation of funds to the trust manager in accordance with trust contract with profits distributed to the investors. Private equity funds finance money required to acquire equity securities to enable direction of management and/or improvement of ownership structure, with profit distributed to the investors. The Group recognizes pro rata amount of dividend income as an investor in the same way as ‘structured finance’ and may be exposed to losses due to reduction in investment value. Investments in MMF (Money Market Funds), ETF(Exchange Traded Funds) and Listed Investment Fund as of December 31, 2024 and 2025 are 187,159 million Won and 1,862,861 million Won, respectively, and there are no additional commitments for MMF, ETF and Listed Investment Fund.
|
‘Real estate trust’ is to be entrusted as the underlying property for the purpose of managing, disposing, operating or developing from the consignor who owns the property and distributes the proceeds achieved through the trust to the beneficiary. When the consignee does not fulfill his or her important obligations in the trust contract or it is, in fact, difficult to run the business, the Group may be exposed to the threat of compensating for the loss.
|
| Investment Fund | Financial assets at FVTPL |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
₩ 11,096,765
|
₩ 6,787,853
|
| Investment Fund | Financial assets at FVTOCI |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Investment Fund | Financial assets at amortized cost |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
1,159,459
|
79,879
|
| Investment Fund | Investments in joint ventures and associates |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
938,301
|
824,536
|
| Investment Fund | Derivative assets |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
2,589
|
| Investment Fund | Derivative liabilities |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Investment Fund | Other liabilities (provisions) |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
992
|
0
|
| Real estate trust |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Total asset of the unconsolidated structured entities |
2,760,602
|
2,541,640
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
94,949
|
183,036
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
30,641
|
10,769
|
| The maximum exposure to risks |
286,975
|
348,947
|
| Investment assets |
94,949
|
183,036
|
| Purchase commitment |
0
|
0
|
| Credit offerings and others |
192,026
|
165,911
|
| Loss recognized on unconsolidated structured entities |
₩ 234,595
|
79,152
|
| Disclosure of information about interests in structured entity |
‘Real estate trust’ is to be entrusted as the underlying property for the purpose of managing, disposing, operating or developing from the consignor who owns the property and distributes the proceeds achieved through the trust to the beneficiary. When the consignee does not fulfill his or her important obligations in the trust contract or it is, in fact, difficult to run the business, the Group may be exposed to the threat of compensating for the loss.
|
|
| Real estate trust | Financial assets at FVTPL |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
₩ 12,994
|
12,644
|
| Real estate trust | Financial assets at FVTOCI |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Real estate trust | Financial assets at amortized cost |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
81,955
|
170,392
|
| Real estate trust | Investments in joint ventures and associates |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Real estate trust | Derivative assets |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Assets recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Real estate trust | Derivative liabilities |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
0
|
0
|
| Real estate trust | Other liabilities (provisions) |
|
|
| Disclosure of unconsolidated structured entities [line items] |
|
|
| Liabilities recognized in the consolidated financial statements related to the unconsolidated structured entities |
₩ 30,641
|
₩ 10,769
|