IBK Annual Report 2025

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Driving
Global Growth

IBK supports the overseas expansion of SMEs and systematically builds its international business base by extending its global network. A localization strategy and prudent asset management enable the bank to pursue balanced growth across global markets.

Expanding the Global Network

As of the end of 2025, IBK operates 56 global network points across 13 countries, advancing its overseas business base with a focus on key hubs in Asia, the Americas, and Europe.

In 2025, IBK became the first Asian bank to obtain a banking license in Poland, securing a strategic foothold in the Eastern European market. The bank also initiated the incorporation of a local subsidiary in Vietnam, strengthening its financial support framework for Korean SMEs operating there. In Singapore, IBK is pursuing the establishment of an International Innovative Finance Center integrating finance and investment banking functions. The bank is also reviewing the opening of a branch in southern India, further refining its global strategy around high-growth regions.

To meet rising demand from Korean SMEs entering the European market, the bank has been building out its partnership network with major European policy financial institutions and commercial banks in phases since 2023.
Following MOUs with Bpifrance (France) in 2023 and Finnvera (Finland) in 2024, IBK signed MOUs in 2025 with Commerzbank (Germany), the Hungarian Development Bank (MFB), and Spuerkeess (Luxembourg) to support SMEs and startups. These agreements completed the "IBK European International Cooperation Belt."
These partnerships strengthen financial and investment support for Korean companies entering Europe and facilitate market access for startups. They also establish a cooperative framework for sharing key policy priorities such as ESG, digital transformation, and inclusive finance.

Global Business Performance

Despite heightened global economic uncertainty, IBK continues to achieve stable growth through the selective acquisition of high-quality assets and diversifying its portfolio. The bank is also steadily securing new sources of revenue, supported by the expansion of securities holdings and IB assets.

Driven by these efforts, IBK's overseas branches and subsidiaries recorded USD 128 million in operating profit in 2025, supported by the expansion of non-interest income and cost reductions through inter-branch funding transactions.

IBK Poland

Subsidiary Incorporation in Poland

In November 2025, IBK obtained a business license for its subsidiary in Poland (IBK Bank Polska S.A.), securing a strategic foothold for entry into the Eastern European market.

This achievement—nearly two and a half years after the opening of the Wroclaw office in May 2023—marks the first banking subsidiary established in Poland by an Asian bank. The subsidiary plans to gradually expand its corporate banking-focused financial services for both Korean companies operating in Poland and local enterprises.

As a core hub of the IBK European Belt, the subsidiary will serve as IBK's EU headquarters. It will support SMEs that have established a presence in major Eastern European production bases, including the Czech Republic, Hungary, and Slovakia.

Key Overseas Branch and Subsidiary
Performance in 2025

(Based on consolidated financial statements under the IFRS)

Overseas Branches
Overseas Subsidiaries