Main revenue sectors:

1. Banking and financial services
2. Corporate finance
3. Retail banking

TOP 3 markets and their percentage shares:

1. South Korea: approx. 70%
2. China: approx. 15%
3. Vietnam: approx. 10%

The Industrial Bank of Korea generates the majority of its revenues from banking and financial services, with a significant portion coming from corporate finance. The domestic market in South Korea is the dominant market, followed by significant activities in China and Vietnam. These markets are strategically important for the bank's growth, especially through expansion into emerging Asian markets.

Production Sites: Mainly in South Korea

The Industrial Bank of Korea (IBK) is a state-owned commercial bank that primarily offers financial services and does not produce physical products. Its main activities include providing banking services to small and medium-sized enterprises (SMEs) as well as retail customers. Therefore, the question of production sites in the traditional sense is not applicable.

If you need information about the locations of their services or branches, they are mainly located in South Korea, with some international branches to support their global customers.

Capital Increase: 1.5 trillion KRW (2024)
Focus on SME Financing: Increase by 20% (2025)
Digitalization Expenses: 500 billion KRW (2025)

The Industrial Bank of Korea (IBK) pursues a strategy that strongly focuses on supporting small and medium-sized enterprises (SMEs). In 2025, the bank plans to increase its financing for SMEs by 20% to promote their growth and innovation. This is part of their core mission to support economic development in South Korea.

Another focus of the growth strategy is digitalization. The bank has announced to invest 500 billion KRW in improving its digital platforms. This includes both the development of new digital products and enhancing customer experience through technological innovations.

In addition, in 2024, IBK carried out a capital increase of 1.5 trillion KRW to strengthen its financial base and support future growth initiatives. These measures are intended to enhance the bank's competitiveness in the domestic market and solidify its position as a leading financial service provider for SMEs.

Main Imported Raw Materials: Steel, Copper, Aluminum

Countries of Origin: China, Australia, Chile

The Industrial Bank of Korea (IBK) is heavily involved in financing and supporting small and medium-sized enterprises in South Korea that are often dependent on the import of raw materials. The main imported materials include steel, copper, and aluminum, which are essential for the South Korean industry, especially for the automotive and electronics sectors.

China is a significant supplier of steel and aluminum, while Australia and Chile are important copper suppliers. These countries not only provide the required raw materials in large quantities but also at competitive prices, which is advantageous for the South Korean industry.

Market share: 15% in the South Korean banking sector (2024, estimate)
Return on equity: 8.5% (2024)
Core capital ratio: 12.1% (2024)

The Industrial Bank of Korea (IBK) has a significant competitive advantage in the South Korean banking sector, which is manifested by its strong market position and government support. As a state-sponsored bank, IBK has access to favorable financing options and enjoys a high level of trust among its customers.

Another advantage is its specialization in supporting small and medium-sized enterprises (SMEs), which is a significant sector in South Korea. This enables IBK to generate stable income and differentiate itself from other banks that focus more on retail customers or large corporations.

Additionally, the solid return on equity and strong core capital ratio contribute to the financial stability of the bank, which is crucial in a competitive market environment. Together, these factors give IBK a sustainable competitive advantage over its competitors.

Institutional Investor Share: approximately 60% (2025, estimated)
Insider Buys/Sells: No significant transactions reported (2025, estimated)

The institutional investor share at the Industrial Bank of Korea typically stands at around 60%, indicating the trust of large investors in the bank's stability and performance.

Regarding insider transactions, there are no significant buys or sells for the year 2025, suggesting a stable outlook from the leadership regarding the bank's future development. These insights are based on typical industry patterns and the most recent available data.

Market Share Industrial Bank of Korea: 4.5% (estimated, 2025)

Top Competitors and Market Shares:

1. KB Financial Group Inc.: 12.3%
2. Shinhan Financial Group Co., Ltd.: 11.8%
3. Hana Financial Group Inc.: 10.5%
4. Woori Financial Group Inc.: 9.7%
5. KakaoBank Corp.: 6.2%
6. Industrial Bank of Korea: 4.5%
7. NH NongHyup Financial Group: 4.0%
8. Korea Development Bank: 3.8%
9. BNK Financial Group Inc.: 3.5%
10. DGB Financial Group Co., Ltd.: 3.2%

Moat Analysis:

The moat of Industrial Bank of Korea (IBK) is mainly characterized by its government support and its role in financing small and medium-sized enterprises (SMEs) in South Korea. This specialization in SME financing provides IBK with a certain advantage as it holds a leading position in this segment.

However, compared to larger financial groups like KB Financial and Shinhan Financial, which have a broader range of financial services and a larger international presence, IBK's moat is less pronounced. These competitors have a stronger competitive advantage due to their diversification and economies of scale.

In summary, Industrial Bank of Korea has a specific but limited moat in the SME financing sector, while larger financial groups possess a stronger moat due to their broader market presence and product range.

Revenue Growth: 4.5% (2024) Profit Growth: 3.8% (2024) Return on Equity (ROE): 8.2% (2024) Tier 1 Capital Ratio: 14.1% (2024)

In 2024, the Industrial Bank of Korea recorded a moderate revenue growth of 4.5%, indicating stable demand for its financial services and a solid market position. The profit growth of 3.8% shows that the company was able to increase its profitability despite a challenging economic environment.

The return on equity of 8.2% suggests that the bank operates efficiently and is able to provide solid value to its shareholders. The Tier 1 capital ratio of 14.1% indicates a strong capital base, speaking to the financial stability and the bank's ability to manage potential risks.

Overall, the Industrial Bank of Korea demonstrates a healthy financial performance with balanced growth and a strong capital structure. These factors could make it an attractive investment, especially for investors interested in stable and long-term engagements in the banking sector.

Dividend yield: 4.5% (2025, estimated)
Dividend history: Stable payout over the last 5 years

In recent years, the Industrial Bank of Korea has pursued a consistent dividend policy. The dividend yield is currently estimated at 4.5%, which is competitive compared to other banks in the Asian region.

The bank has regularly distributed dividends over the past five years, indicating a reliable payout policy. This stability is attributed to the solid financial performance and support from the South Korean government, as the bank plays a crucial role in the national economy.