Premises and Equipment

12 Months Ended

Dec. 31, 2025

Disclosure Of Property Plant And Equipment [Abstract]

Premises And Equipment

16.

PREMISES AND EQUIPMENT

(1)	Details of premises and equipment as of December 31, 2024 and 2025 are as follows (Unit: Korean Won in millions):


		December 31, 2024
		Land				Building				Equipment and vehicles				Leasehold improvement				Construction in progress				Structures				Total
Premises and equipment (owned)			1,662,448				683,221				305,581				71,952				68,440				—				2,791,642
Right-of-use asset			—				557,049				21,894				—				—				—				578,943
Carrying value			1,662,448				1,240,270				327,475				71,952				68,440				—				3,370,585


		December 31, 2025
		Land				Building				Equipment and vehicles				Leasehold improvement				Construction in progress				Structures				Total
Premises and equipment (owned)			1,983,149				708,535				377,217				75,958				45,761				213				3,190,833
Right-of-use asset			—				554,148				35,836				—				—				—				589,984
Carrying value			1,983,149				1,262,683				413,053				75,958				45,761				213				3,780,817

(2)	Details of premises and equipment (owned) as of December 31, 2024 and 2025 are as follows (Unit: Korean Won in millions):


		December 31, 2024
		Land				Building				Equipment and vehicles				Leasehold improvement				Construction in progress				Structures				Total
Acquisition cost			1,663,108				1,087,536				1,305,020				505,417				68,440				20				4,629,541
Accumulated depreciation			—				(404,315	)			(999,439	)			(433,465	)			—				(20	)			(1,837,239	)
Accumulated impairment losses			(660	)			—				—				—				—				—				(660	)

Net carrying value			1,662,448				683,221				305,581				71,952				68,440				—				2,791,642


		December 31, 2025
		Land				Building				Equipment and vehicles				Leasehold improvement				Construction in progress				Structures				Total
Acquisition cost			1,983,809				1,125,471				1,465,257				514,364				45,761				331				5,134,993
Accumulated depreciation			—				(416,885	)			(1,087,440	)			(438,406	)			—				(118	)			(1,942,849	)
Accumulated impairment losses			(660	)			(51	)			(600	)			—				—				—				(1,311	)

Net carrying value			1,983,149				708,535				377,217				75,958				45,761				213				3,190,833

(3)	Details of changes in premises and equipment (owned) are as follows (Unit: Korean Won in millions):


		For the year ended December 31, 2023
		Land				Building				Equipment and vehicles				Leasehold improvement				Construction in progress				Structures				Total
Beginning balance			1,695,357				730,676				261,278				58,352				32,184				—				2,777,847
Acquisitions			43				18,107				112,908				24,874				8,790				—				164,722
Disposals			(367	)			(530	)			(13,630	)			(1,017	)			(3,600	)			—				(19,144	)
Depreciation			—				(33,318	)			(96,684	)			(21,062	)			—				—				(151,064	)
Classification of assets held for sale			(936	)			(1,568	)			—				—				—				—				(2,504	)
Transfer			5,445				(3,347	)			—				—				—				—				2,098
Foreign currencies translation adjustments			638				322				296				186				(68	)			—				1,374
Business combination			9,530				9,530				318				—				—				—				19,378
Others			2				(134	)			578				36				(112	)			—				370

Ending balance			1,709,712				719,738				265,064				61,369				37,194				—				2,793,077


		For the year ended December 31, 2024
		Land				Building				Equipment and vehicles				Leasehold improvement				Construction in progress				Structures				Total
Beginning balance			1,709,712				719,738				265,064				61,369				37,194				—				2,793,077
Acquisitions			215				27,919				125,793				29,714				38,215				—				221,856
Disposals			(7,602	)			—				(2,358	)			(1,556	)			—				—				(11,516	)
Depreciation			—				(33,905	)			(99,634	)			(22,304	)			—				—				(155,843	)
Classification of assets held for sale			(26,007	)			(12,416	)			—				—				—				—				(38,423	)
Transfer			(22,991	)			(19,353	)			6,440				853				(7,293	)			—				(42,344	)
Foreign currencies translation adjustments			1,876				726				4,409				3,061				333				—				10,405
Business combination			—				—				1,283				—				—				—				1,283
Others			7,245				512				4,584				815				(9	)			—				13,147

Ending balance			1,662,448				683,221				305,581				71,952				68,440				—				2,791,642


		For the year ended December 31, 2025
		Land				Building				Equipment and vehicles				Leasehold improvement				Construction in progress				Structures				Total
Beginning balance			1,662,448				683,221				305,581				71,952				68,440				—				2,791,642
Acquisitions			27,841				30,287				159,726				29,173				80,507				—				327,534
Disposals			(998	)			(1,262	)			(2,087	)			(1,366	)			(31,355	)			—				(37,068	)
Depreciation (*)			—				(34,865	)			(106,372	)			(25,270	)			—				(2	)			(166,509	)
Classification of assets held for sale			(78,582	)			(28,897	)			—				—				—				—				(107,479	)
Transfer			57,009				(3,612	)			7,751				1,342				(72,587	)			100				(9,997	)
Foreign currencies translation adjustments			(1,267	)			(498	)			(1,432	)			(434	)			(49	)			—				(3,680	)
Business combination			316,698				64,224				15,135				546				—				115				396,718
Others			—				(63	)			(1,085	)			15				805				—				(328	)

Ending balance			1,983,149				708,535				377,217				75,958				45,761				213				3,190,833

(*)	Depreciation of premises and equipment (owned) is included in insurance service expenses and general and administrative expenses in the consolidated statement of comprehensive income.

(4)	Details of right-of-use assets as of December 31, 2024 and 2025 are as follows (Unit: Korean Won in millions):


		December 31, 2024
		Building				Equipment and vehicles				Total
Acquisition cost			1,031,511				39,113				1,070,624
Accumulated depreciation			(474,462	)			(17,219	)			(491,681	)

Net carrying value			557,049				21,894				578,943


		December 31, 2025
		Building				Equipment and vehicles				Total
Acquisition cost			1,163,535				73,344				1,236,879
Accumulated depreciation			(609,387	)			(37,508	)			(646,895	)

Net carrying value			554,148				35,836				589,984

(5)	Details of changes in right-of-use assets for the years ended December 31, 2023, 2024, and 2025 are as follows (Unit: Korean Won in millions):


		For the year ended December 31, 2023
		Building				Equipment and vehicles				Total
Beginning balance			349,494				15,589				365,083
New contracts			192,111				18,699				210,810
Changes in contract			25,570				138				25,708
Termination			(15,340	)			(1,647	)			(16,987	)
Depreciation			(201,232	)			(12,133	)			(213,365	)
Business combination			675				271				946
Others			11,424				63				11,487

Ending balance			362,702				20,980				383,682


		For the year ended December 31, 2024
		Building				Equipment and vehicles				Total
Beginning balance			362,702				20,980				383,682
New contracts			353,531				12,809				366,340
Changes in contract			80,622				78				80,700
Termination			(17,579	)			(1,535	)			(19,114	)
Depreciation			(230,345	)			(12,962	)			(243,307	)
Business combination			1,129				73				1,202
Others			6,989				2,451				9,440

Ending balance			557,049				21,894				578,943


		For the year ended December 31, 2025
		Building				Equipment and vehicles				Total
Beginning balance			557,049				21,894				578,943
New contracts			175,229				26,333				201,562
Changes in contract			59,921				(194	)			59,727
Termination			(24,869	)			(1,409	)			(26,278	)
Depreciation (*)			(258,847	)			(13,332	)			(272,179	)
Business combination			45,256				2,317				47,573
Others			409				227				636

Ending balance			554,148				35,836				589,984

(*)	Depreciation of right-of-use assets for the current period is included in insurance service expenses and general and administrative expenses in the consolidated statement of comprehensive income.