Credit Card Business
IBK's card business remains a core driver of non-interest income growth. In 2025, card transaction volume reached KRW 50.4 trillion, sustaining a stable growth trajectory. The number of new cardholders increased by 59,000 year-on-year to exceed 910,000. At the same time, disciplined risk management maintained the delinquency rate for accounts overdue by one month or more at around 3%, preserving sound asset quality.
Building on its leading position in the corporate card market, IBK continues to advance digital innovation while maintaining stable management.
Advancing Digital Transformation to Expand the Retail Card Market
IBK is accelerating the growth of the retail card market by enhancing data-driven marketing capabilities based on customer behavioral analytics. In October 2025, the bank rebuilt its card marketing operations system, establishing an end-to-end automated platform that integrates the entire process—from customer targeting and marketing strategy design to campaign execution. The system detects and analyzes card usage data in real time, enabling hyper-personalized marketing that delivers tailored benefits to target customers. This initiative reinforces the foundation for increasing retail card usage and acquiring new customers.
Operating the "IBK Card App" and Expanding QR Payment Services
IBK launched a QR payment service on its comprehensive digital card platform, the IBK Card App, enabling customers to make payments conveniently via QR code without a physical card and significantly enhancing payment convenience. The bank is actively conducting promotional campaigns to encourage adoption and expand the use of QR payments. Going forward, IBK plans to further enhance the platform by integrating additional payment options—including Seoul Pay and NFC payments—into the Card App.
Supporting Microbusinesses with Policy-Linked Cards
IBK launched the "Biz Plus Card for Microbusinesses," a guarantee-based card product introduced under a government policy program for which IBK was selected as the sole participating financial institution. The card provides short-term liquidity without the burden of guarantee fees or annual fees, supporting the operational stability and growth of microbusinesses.
Launch of the "Biz Plus Card for Microbusinesses" (July 2025)
Annuity Business
IBK is steadily expanding its reserves in the annuity market, strengthening its non-interest income base. As a policy bank engaged in annuity business, the bank supports the stable accumulation of retirement assets for SMEs and their employees, while enhancing service competitiveness through strengthened pension asset management capabilities.
Elevating Retirement Pension Brand Credibility
IBK is reinforcing its competitiveness in the SME retirement pension segment, supported by stable performance in annuity asset management. The bank received the Grand Brand Prize in the retirement pension category at the "2025 Korea Consumer Awards," hosted by Dong-A Ilbo and the Korea Consumer Evaluation Committee. This recognition further enhanced the credibility and brand value of its annuity business.
Grand Prize in the Retirement Pension Category at the "2025 Korea Consumer Awards" (July 2025)
Supporting the Qualitative Growth of DB Plan
In May 2025, IBK signed an MOU with the Ministry of Employment and Labor to support the operational stability and reinforce the governance of defined benefit (DB) plans. The bank developed and distributed a guidebook for assessing pension reserve adequacy, promoting awareness of sound reserve management practices. This initiative supports companies in enhancing their pension management capabilities. IBK also contributes to enhancing the effectiveness of the retirement pension system by sharing companies' practical operational experiences with the government.
Achieving the Highest Yield in IRP Principal-Guaranteed Products
IBK's Individual Retirement Pension (IRP) achieved the highest yield in principal-guaranteed products for five consecutive quarters, reflecting its focused effort to enhance returns. Collaboration with affiliates—including IBK Securities (ELB) and IBK Insurance (GIC)—has ensured a stable supply of high-interest principal-and-interest-guaranteed products, establishing a solid foundation for delivering sustainable returns. In the performance-based product segment, the bank is increasing the allocation to equity products, particularly ETFs, while growing the portion of overseas equities in line with global stock market trends. These efforts enhance both the profitability and stability of the overall portfolio.
*ELB: Equity-Linked Bond
*GIC: Guaranteed Investment Contract
Establishing a Pension Asset Management System Tailored to Asset Size
IBK operates a differentiated pension asset management framework based on the level of pension assets. Under the "Retirement Pension VIP Program," clients with pension contributions of KRW 1 billion or more are assigned dedicated consultants who provide personalized advisory services focused on portfolio construction and rebalancing. Clients with pension contributions of KRW 50 million or more receive management information on maturing products and idle funds through phone consultation and digital channels. Going forward, IBK plans to further advance its pension asset management services by introducing AI-powered asset allocation support and voice-bot capabilities.
