Loans Measured at Amortized Cost (Tables)

12 Months Ended

Dec. 31, 2022

Trade and other receivables [abstract]

Summary of Loans

10.1 Details of loans as of December 31, 2021 and 2022, are as follows:

	December 31, 2021			December 31, 2022
	(In millions of Korean won)
Loans measured at amortized cost	￦	420,910,259		￦	440,137,603
Deferred loan origination fees and costs		674,069			551,524
Less: Allowances for credit losses		(3,684,055	)		(4,158,625	)
	￦	417,900,273		￦	436,530,502

Summary of Loans for other Banks

10.2 Details of loans to banks as of December 31, 2021 and 2022, are as follows:

	December 31, 2021			December 31, 2022
	(In millions of Korean won)
Loans measured at amortized cost	￦	8,325,177		￦	9,751,737
Less: Allowances for credit losses		(443	)		(1,951	)
	￦	8,324,734		￦	9,749,786

Summary of Loan Types and Customer Types of Loans to Customers other than Banks

10.3 Details of loan types and customer types of loans to customers other than banks as of December 31, 2021 and 2022, are as follows:

	December 31, 2021
	Retail			Corporate			Credit card			Total
	(In millions of Korean won)
Loans in Korean won	￦	184,872,384		￦	162,081,901		￦	—		￦	346,954,285
Loans in foreign currencies		3,990,253			20,865,495			—			24,855,748
Domestic import usance bills		—			3,311,142			—			3,311,142
Off-shore funding loans		—			1,064,623			—			1,064,623
Call loans		—			902,301			—			902,301
Bills bought in Korean won		—			2,209			—			2,209
Bills bought in foreign currencies		—			2,001,046			—			2,001,046
Guarantee payments under acceptances and guarantees		7			20,773			—			20,780
Credit card receivables in Korean won		—			—			20,766,340			20,766,340
Credit card receivables in foreign currencies		—			—			57,980			57,980
Bonds purchased under repurchase agreements		—			4,855,194			—			4,855,194
Privately placed bonds		—			758,557			—			758,557
Factored receivables		113			458			—			571
Lease receivables		778,425			513,714			—			1,292,139
Loans for installment credit		6,265,896			150,340			—			6,416,236
		195,907,078			196,527,753			20,824,320			413,259,151
Proportion (%)		47.40			47.56			5.04			100.00
Less: Allowances for credit losses		(1,004,995	)		(1,886,473	)		(792,144	)		(3,683,612	)
	￦	194,902,083		￦	194,641,280		￦	20,032,176		￦	409,575,539

	December 31, 2022
	Retail			Corporate			Credit card			Total
	(In millions of Korean won)
Loans in Korean won	￦	181,125,018		￦	177,396,151		￦	—		￦	358,521,169
Loans in foreign currencies		4,668,207			26,052,080			—			30,720,287
Domestic import usance bills		—			4,499,072			—			4,499,072
Off-shore funding loans		—			908,266			—			908,266
Call loans		—			119,066			—			119,066
Bills bought in Korean won		—			285,727			—			285,727
Bills bought in foreign currencies		—			1,780,873			—			1,780,873
Guarantee payments under acceptances and guarantees		1			18,459			—			18,460
Credit card receivables in Korean won		—			—			22,562,217			22,562,217
Credit card receivables in foreign currencies		—			—			47,376			47,376
Bonds purchased under repurchase agreements		—			3,028,657			—			3,028,657
Privately placed bonds		—			853,986			—			853,986
Factored receivables		111			4			—			115
Lease receivables		576,165			558,318			—			1,134,483
Loans for installment credit		5,915,223			542,413			—			6,457,636
		192,284,725			216,043,072			22,609,593			430,937,390
Proportion (%)		44.62			50.13			5.25			100.00
Less: Allowances for credit losses		(1,335,388	)		(1,983,444	)		(837,842	)		(4,156,674	)
	￦	190,949,337		￦	214,059,628		￦	21,771,751		￦	426,780,716

Summary of Changes in Deferred Loan Origination Fees and Costs

10.4 Changes in deferred loan origination fees and costs for the years ended December 31, 2021 and 2022, are as follows:

	2021
	Beginning		Increase		Decrease			Others			Ending
	(In millions of Korean won)
Deferred loan origination costs
Loans in Korean won	￦	673,957	￦	418,732	￦	(424,785	)	￦	—		￦	667,904
Others1		95,590		44,728		(63,619	)		(4	)		76,695
		769,547		463,460		(488,404	)		(4	)		744,599
Deferred loan origination fees
Loans in Korean won		9,148		11,909		(3,556	)		—			17,501
Others2		44,072		32,667		(27,332	)		3,622			53,029
		53,220		44,576		(30,888	)		3,622			70,530
	￦	716,327	￦	418,884	￦	(457,516	)	￦	(3,626	)	￦	674,069

	2022
	Beginning		Increase		Decrease			Others			Ending
	(In millions of Korean won)
Deferred loan origination costs
Loans in Korean won	￦	667,904	￦	291,342	￦	(380,718	)	￦	—		￦	578,528
Others1		76,695		38,913		(47,445	)		4			68,167
		744,599		330,255		(428,163	)		4			646,695
Deferred loan origination fees
Loans in Korean won		17,501		23,780		(13,117	)		—			28,164
Others2		53,029		49,245		(37,730	)		2,463			67,007
		70,530		73,025		(50,847	)		2,463			95,171
	￦	674,069	￦	257,230	￦	(377,316	)	￦	(2,459	)	￦	551,524

1  Includes deferred loan origination costs related to credit card receivables, loans for installment credit, and finance lease receivables.

2  Includes deferred loan origination fees related to loans in foreign currencies executed by PT Bank KB Bukopin Tbk and PRASAC Microfinance Institution Plc.