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v3.26.1

Insurance Risk (Tables) | 12 Months Ended
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Dec. 31, 2025
Disclosure of detailed information about concentrations of risk that arises from contracts within scope of IFRS 17 [line items] |
Summary of amount of the reinsurance contracts held |
| vii) | Credit risk arising from insurance contracts
The amounts of the reinsurance contracts held, which are an asset according to risk level, as of December 31, 2024 and 2025 are as follows:
|  | 2024 |  |  | 2025 |
|  | Reinsurance residual coverage assets |  |  | Reinsurance incident assets |  |  | Reinsurance residual coverage assets |  |  | Reinsurance incident assets |
AA+ ~ AA- |  | W | — |  |  |  | 146 |  |  |  | 335,136 |  |  |  | 20,462 |
Summary of interest rate risk and interest rate changes on profit and loss | The impacts of exposure to interest rate risk and interest rate changes on profit or loss and equity as of December 31, 2024 and 2025 are as follows:
| viii-1) | Interest rate risk exposure
|  | 2024 |  |  | 2025 |
Exposure to financial instruments measured at fair value (*1) |  | W | 48,843,348 |  |  |  | 47,717,387 |
Exposure to insurance contracts (*2) |  |  |  |  |  |  |  |
Participating |  |  | 4,979,280 |  |  |  | 4,738,480 |
Non-participating |  |  | 29,628,025 |  |  |  | 28,289,432 |
Variable |  |  | 4,773,118 |  |  |  | 5,528,259 |
Others |  |  | 439,613 |  |  |  | 172,430 |
|  |  | 39,820,036 |  |  |  | 38,728,601 |
Net exposure (financial instruments—insurance contracts) |  | W | 9,023,312 |  |  |  | 8,988,786 |
| (*1) | It is the total amount of financial assets measured at fair value through profit or loss, financial assets measured at fair value through other comprehensive income, and derivative assets (liabilities).
| (*2) | It is the total amount excluding the contractual service margin from the remaining coverage components of insurance contract liabilities and reinsurance contract assets (liabilities).
Summary of insurance contracts and reinsurance contracts | The maturity analysis of undiscounted remaining contractual cash flows as of December 31, 2024 and 2025 is as follows: This amount does not include matters relating to remaining coverage liabilities (insurance contracts and reinsurance contracts) measured under the premium allocation approach.
|  | 2024 |
|  | Less than 1 year |  |  | 1 ~ 2 years |  |  | 2 ~ 3 years |  |  | 3 ~ 4 years |  |  | 4 ~ 5 years |  |  | 5 years or more |  |  | Total |
Insurance contracts |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Participating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash Inflow |  | W | 43,374 |  |  |  | 33,437 |  |  |  | 24,916 |  |  |  | 19,959 |  |  |  | 16,437 |  |  |  | 106,215 |  |  |  | 244,338 |
Cash Outflow |  |  | (240,206 | ) |  |  | (228,226 | ) |  |  | (232,215 | ) |  |  | (241,157 | ) |  |  | (240,783 | ) |  |  | (8,645,374 | ) |  |  | (9,827,961 | )
|  |  | (196,832 | ) |  |  | (194,789 | ) |  |  | (207,299 | ) |  |  | (221,198 | ) |  |  | (224,346 | ) |  |  | (8,539,159 | ) |  |  | (9,583,623 | )
Non-participating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash Inflow |  |  | 5,582,811 |  |  |  | 4,840,753 |  |  |  | 4,361,203 |  |  |  | 3,863,416 |  |  |  | 3,314,013 |  |  |  | 47,454,014 |  |  |  | 69,416,210 |
Cash Outflow |  |  | (5,750,906 | ) |  |  | (4,300,951 | ) |  |  | (4,353,876 | ) |  |  | (4,074,145 | ) |  |  | (4,294,566 | ) |  |  | (124,429,513 | ) |  |  | (147,203,957 | )
|  | (168,095) |  |  | 539,802 |  |  | 7,327 |  |  | (210,729) |  |  | (980,553) |  |  | (76,975,499) |  |  | (77,787,747) |
Variable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash Inflow |  |  | 482,531 |  |  |  | 402,250 |  |  |  | 334,537 |  |  |  | 279,308 |  |  |  | 237,124 |  |  |  | 2,351,146 |  |  |  | 4,086,896 |
Cash Outflow |  |  | (916,187 | ) |  |  | (783,304 | ) |  |  | (709,458 | ) |  |  | (636,965 | ) |  |  | (559,272 | ) |  |  | (8,181,229 | ) |  |  | (11,786,415 | )
|  | (433,656) |  |  | (381,054) |  |  | (374,921) |  |  | (357,657) |  |  | (322,148) |  |  | (5,830,083) |  |  | (7,699,519) |
|  | (798,583) |  |  | (36,041) |  |  | (574,893) |  |  | (789,584) |  |  | (1,527,047) |  |  | (91,344,741) |  |  | (95,070,889) |
Reinsurance contracts |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash Inflow |  |  | 225,165 |  |  |  | 216,544 |  |  |  | 209,995 |  |  |  | 207,721 |  |  |  | 207,575 |  |  |  | 8,223,398 |  |  |  | 9,290,398 |
Cash Outflow |  |  | (244,930 | ) |  |  | (237,756 | ) |  |  | (230,883 | ) |  |  | (227,262 | ) |  |  | (226,934 | ) |  |  | (9,123,146 | ) |  |  | (10,290,911 | )
|  |  | (19,765 | ) |  |  | (21,212 | ) |  |  | (20,888 | ) |  |  | (19,541 | ) |  |  | (19,359 | ) |  |  | (899,748 | ) |  |  | (1,000,513 | )
Total (including variable insurance contracts) |  | W | (818,348 | ) |  |  | (57,253 | ) |  |  | (595,781 | ) |  |  | (809,125 | ) |  |  | (1,546,406 | ) |  |  | (92,244,489 | ) |  |  | (96,071,402 | )
Total (excluding variable insurance contracts) |  | W | (384,692 | ) |  |  | 323,801 |  |  |  | (220,860 | ) |  |  | (451,468 | ) |  |  | (1,224,258 | ) |  |  | (86,414,406 | ) |  |  | (88,371,883 | )
|  | 2025 |
|  | Less than 1 year |  |  | 1 ~ 2 years |  |  | 2 ~ 3 years |  |  | 3 ~ 4 years |  |  | 4 ~ 5 years |  |  | 5 years or more |  |  | Total |
Insurance contracts |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Participating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash Inflow |  | W | 34,397 |  |  |  | 25,425 |  |  |  | 20,141 |  |  |  | 16,443 |  |  |  | 13,515 |  |  |  | 63,988 |  |  |  | 173,909 |
Cash Outflow |  |  | (240,847 | ) |  |  | (253,700 | ) |  |  | (255,690 | ) |  |  | (258,371 | ) |  |  | (261,112 | ) |  |  | (8,042,439 | ) |  |  | (9,312,159 | )
|  |  | (206,450 | ) |  |  | (228,275 | ) |  |  | (235,549 | ) |  |  | (241,928 | ) |  |  | (247,597 | ) |  |  | (7,978,451 | ) |  |  | (9,138,250 | )
Non-participating: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash Inflow |  |  | 6,331,260 |  |  |  | 5,662,522 |  |  |  | 5,010,684 |  |  |  | 4,358,197 |  |  |  | 3,771,019 |  |  |  | 51,088,737 |  |  |  | 76,222,419 |
Cash Outflow |  |  | (5,068,663 | ) |  |  | (4,871,804 | ) |  |  | (4,780,238 | ) |  |  | (4,705,099 | ) |  |  | (4,437,033 | ) |  |  | (134,903,633 | ) |  |  | (158,766,470 | )
|  |  | 1,262,597 |  |  |  | 790,718 |  |  |  | 230,446 |  |  |  | (346,902 | ) |  |  | (666,014 | ) |  |  | (83,814,896 | ) |  |  | (82,544,051 | )
Variable: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash Inflow |  |  | 437,302 |  |  |  | 361,966 |  |  |  | 297,826 |  |  |  | 249,995 |  |  |  | 213,177 |  |  |  | 2,158,311 |  |  |  | 3,718,577 |
Cash Outflow |  |  | (948,429 | ) |  |  | (855,175 | ) |  |  | (765,759 | ) |  |  | (669,433 | ) |  |  | (604,609 | ) |  |  | (8,817,026 | ) |  |  | (12,660,431 | )
|  |  | (511,127 | ) |  |  | (493,209 | ) |  |  | (467,933 | ) |  |  | (419,438 | ) |  |  | (391,432 | ) |  |  | (6,658,715 | ) |  |  | (8,941,854 | )
|  |  | 545,020 |  |  |  | 69,234 |  |  |  | (473,036 | ) |  |  | (1,008,268 | ) |  |  | (1,305,043 | ) |  |  | (98,452,062 | ) |  |  | (100,624,155 | )
Reinsurance contracts |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Cash Inflow |  |  | 322,122 |  |  |  | 302,044 |  |  |  | 286,274 |  |  |  | 278,232 |  |  |  | 271,893 |  |  |  | 9,694,621 |  |  |  | 11,155,186 |
Cash Outflow |  |  | (347,205 | ) |  |  | (334,989 | ) |  |  | (321,136 | ) |  |  | (312,211 | ) |  |  | (305,518 | ) |  |  | (9,388,316 | ) |  |  | (11,009,375 | )
|  |  | (25,083 | ) |  |  | (32,945 | ) |  |  | (34,862 | ) |  |  | (33,979 | ) |  |  | (33,625 | ) |  |  | 306,305 |  |  |  | 145,811 |
Total (including variable insurance contracts) |  | W | 519,937 |  |  |  | 36,289 |  |  |  | (507,898 | ) |  |  | (1,042,247 | ) |  |  | (1,338,668 | ) |  |  | (98,145,757 | ) |  |  | (100,478,344 | )
Total (excluding variable insurance contracts) |  | W | 1,031,064 |  |  |  | 529,498 |  |  |  | (39,965 | ) |  |  | (622,809 | ) |  |  | (947,236 | ) |  |  | (91,487,042 | ) |  |  | (91,536,490 | )
Summary of The amount of claims development | The amounts of claims development as of December 31, 2024 and 2025 are as follows:
|  | 2024 |
Progress year |  | Year of incident |  |  |  |
|  | 2020 |  |  | 2021 |  |  | 2022 |  |  | 2023 |  |  | 2024 |  |  | Total |
Undiscounted estimate of ultimate loss |  | W | 959,974 |  |  |  | 1,070,850 |  |  |  | 1,104,112 |  |  |  | 1,152,207 |  |  |  | 1,233,110 |  |  |  | 5,520,253 |
Paid claims: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current year |  |  | 746,984 |  |  |  | 833,427 |  |  |  | 857,650 |  |  |  | 896,474 |  |  |  | 957,713 |  |  |  | 4,292,248 |
1 year after |  |  | 166,072 |  |  |  | 187,415 |  |  |  | 195,026 |  |  |  | 202,132 |  |  |  | — |  |  |  | 750,645 |
2 years after |  |  | 23,751 |  |  |  | 27,433 |  |  |  | 27,763 |  |  |  | — |  |  |  | — |  |  |  | 78,947 |
3 years after |  |  | 13,248 |  |  |  | 12,079 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 25,327 |
4 years after |  |  | 4,849 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,849 |
Cumulative paid claims |  |  | 954,904 |  |  |  | 1,060,354 |  |  |  | 1,080,439 |  |  |  | 1,098,606 |  |  |  | 957,713 |  |  |  | 5,152,016 |
The difference between the estimated ultimate loss and paid claims |  |  | 5,070 |  |  |  | 10,496 |  |  |  | 23,673 |  |  |  | 53,601 |  |  |  | 275,397 |  |  |  | 368,237 |
Discount effect |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (11,011 | )
Future loss adjustment expenses |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 7,316 |
Reported but unpaid claims |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,436,530 |
Risk adjustment for non-financial risk |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 14,041 |
Reinsurance effect |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (94,435 | )
Total liabilities for incurred claims |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  | W | 1,720,678 |
|  | 2025 |
Progress year |  | Year of incident |  |  |  |
|  | 2021 |  |  | 2022 |  |  | 2023 |  |  | 2024 |  |  | 2025 |  |  | Total |
Undiscounted estimate of ultimate loss |  | W | 1,069,793 |  |  |  | 1,106,219 |  |  |  | 1,154,705 |  |  |  | 1,232,242 |  |  |  | 1,419,726 |  |  |  | 5,982,685 |
Paid claims: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Current year |  |  | 832,601 |  |  |  | 857,694 |  |  |  | 896,770 |  |  |  | 952,706 |  |  |  | 1,098,335 |  |  |  | 4,638,106 |
1 year after |  |  | 187,431 |  |  |  | 194,972 |  |  |  | 201,175 |  |  |  | 220,039 |  |  |  | — |  |  |  | 803,617 |
2 years after |  |  | 27,435 |  |  |  | 27,703 |  |  |  | 30,697 |  |  |  | — |  |  |  | — |  |  |  | 85,835 |
3 years after |  |  | 12,000 |  |  |  | 15,032 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 27,032 |
4 years after |  |  | 4,859 |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 4,859 |
Cumulative paid claims |  |  | 1,064,326 |  |  |  | 1,095,401 |  |  |  | 1,128,642 |  |  |  | 1,172,745 |  |  |  | 1,098,335 |  |  |  | 5,559,449 |
The difference between the estimated ultimate loss and paid claims |  |  | 5,467 |  |  |  | 10,818 |  |  |  | 26,063 |  |  |  | 59,497 |  |  |  | 321,391 |  |  |  | 423,236 |
Discount effect |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (12,313 | )
Future loss adjustment expenses |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 9,205 |
Reported but unpaid claims |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 1,366,616 |
Risk adjustment for non-financial risk |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | 15,973 |
Reinsurance effect |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | (119,384 | )
Total liabilities for incurred claims |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |  |  | W | 1,683,333 |
Insurance Contract Participating [Member] |
Disclosure of detailed information about concentrations of risk that arises from contracts within scope of IFRS 17 [line items] |
Summary of changes in major assumptions on insurance contract liabilities (assets) | The impacts of changes in key assumptions on insurance contract liabilities (assets) as of December 31, 2024 and 2025 are as follows: vi -1) Participating insurance contracts
|  |  |  | 2024 |
|  |  |  | Base amount and base amount after change |  |  | Impact on profit or loss and equity (before tax) |
|  | Sensitivity (*2) |  | Fulfilment cash flows (*3) |  |  | Contractual service margin |  |  | Profit or loss (*4) |  |  | Other comprehensive income (loss) |
Base amount |  |  |  | W | 4,979,280 |  |  |  | 118,533 |  |  |  | — |  |  |  | — |
Mortality rate |  | Increased by 3.27% |  |  | 4,974,196 |  |  |  | 114,164 |  |  |  | 9,453 |  |  |  | (1,895 | )
Disability and illness (fixed compensation) |  | Increased by 3.40% |  |  | 4,984,691 |  |  |  | 113,928 |  |  |  | (806 | ) |  |  | 124 |
Disability and illness (actual loss compensation) |  | Increased by 2.62%
Long-term property and other |  | Increased by 4.19% |  |  | 4,979,280 |  |  |  | 118,533 |  |  |  | — |  |  |  | — |
Lapse rate (increase) |  | Increased by 9.16% |  |  | 4,963,981 |  |  |  | 120,301 |  |  |  | 13,532 |  |  |  | (5,710 | )
Lapse rate (decrease) |  | Decreased by 9.16% |  |  | 4,994,968 |  |  |  | 116,666 |  |  |  | (13,820 | ) |  |  | 5,949 |
Operating expense (level) |  | Increased by 2.62% |  |  | 4,984,797 |  |  |  | 115,214 |  |  |  | (2,197 | ) |  |  | 484 |
Operating expense (inflation) |  | Increased by 0.26%
|  |  |  | 2025 |
|  |  |  | Base amount and base amount after change |  |  | Impact on profit or loss and equity (before tax) |
|  | Sensitivity (*2) |  | Fulfilment cash flows (*3) |  |  | Contractual service margin |  |  | Profit or loss (*4) |  |  | Other comprehensive income (loss) |
Base amount |  |  |  | W | 4,738,480 |  |  |  | 130,865 |  |  |  | — |  |  |  | — |
Mortality rate |  | Increased by 3.27% |  |  | 4,732,654 |  |  |  | 127,293 |  |  |  | 9,398 |  |  |  | (1,887 | )
Disability and illness (fixed compensation) |  | Increased by 3.40% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Disability and illness (actual loss compensation) |  | Increased by 2.62% |  |  | 4,742,230 |  |  |  | 126,951 |  |  |  | 165 |  |  |  | 115 |
Long-term property and other |  | Increased by 4.19% |  |  | 4,738,480 |  |  |  | 130,865 |  |  |  | — |  |  |  | — |
Lapse rate (increase) |  | Increased by 9.16 % |  |  | 4,726,618 |  |  |  | 130,294 |  |  |  | 12,433 |  |  |  | (6,606 | )
Lapse rate (decrease) |  | Decreased by 9.16% |  |  | 4,750,500 |  |  |  | 131,545 |  |  |  | (12,700 | ) |  |  | 6,861 |
Operating expense (level) |  | Increased by 2.62 % |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Operating expense (inflation) |  | Increased by 0.26 % |  |  | 4,743,228 |  |  |  | 128,161 |  |  |  | (2,044 | ) |  |  | 611 |
| (*1) | This amount is presented before reflecting the effects of reinsurance.
| (*2) | The risk adjustment is calculated at the 75% confidence level.
| (*3) | The risk adjustment included in the fulfilment cash flows was calculated without shock.
| (*4) | The profit or loss for the year consists of (i) an increase in the present value estimate of future cash flows that exceeds the carrying amount of the contractual service margin, resulting in a loss due to changes in assumptions, and (ii) changes in the present value estimate of future cash flows allocated to the loss component, which also result from changes in assumptions.
Insurance Contract Non-Participating [Member] |
Disclosure of detailed information about concentrations of risk that arises from contracts within scope of IFRS 17 [line items] |
Summary of changes in major assumptions on insurance contract liabilities (assets) | vi -2) Non-participating insurance contracts
|  |  |  | 2024 |
|  |  |  | Base amount and base amount after change |  |  | Impact on profit or loss and equity (before tax) |
|  | Sensitivity (*2) |  | Fulfilment cash flows (*3) |  |  | Contractual service margin |  |  | Profit or loss (*4) |  |  | Other comprehensive income (loss) |
Base amount |  |  |  | W | 29,627,853 |  |  |  | 6,969,672 |  |  |  | — |  |  |  | — |
Mortality rate |  | Increased by 3.27% |  |  | 29,749,337 |  |  |  | 6,848,600 |  |  |  | (411 | ) |  |  | (9,443 | )
Disability and illness (fixed compensation) |  | Increased by 3.40% |  |  | 30,300,967 |  |  |  | 6,324,390 |  |  |  | (27,831 | ) |  |  | 14,386 |
Disability and illness (actual loss compensation) |  | Increased by 2.62%
Long-term property and other |  | Increased by 4.19% |  |  | 29,627,853 |  |  |  | 6,969,672 |  |  |  | — |  |  |  | — |
lapse rate (increase) |  | Increased by 9.16% |  |  | 30,338,377 |  |  |  | 6,275,939 |  |  |  | (16,791 | ) |  |  | (89,404 | )
lapse rate (decrease) |  | Decreased by 9.16% |  |  | 28,845,362 |  |  |  | 7,734,641 |  |  |  | 17,522 |  |  |  | 98,708 |
Operating expense (level) |  | Increased by 2.62% |  |  | 29,820,711 |  |  |  | 6,782,260 |  |  |  | (5,446 | ) |  |  | 8,158 |
Operating expense (inflation) |  | Increased by 0.26%
|  |  |  | 2025 |
|  |  |  | Base amount and base amount after change |  |  | Impact on profit or loss and equity (before tax) |
|  | Sensitivity (*2) |  | Fulfilment cash flows (*3) |  |  | Contractual service margin |  |  | Profit or loss (*4) |  |  | Other comprehensive income (loss) |
Base amount |  |  |  | W | 28,288,556 |  |  |  | 7,199,651 |  |  |  | — |  |  |  | — |
Mortality rate |  | Increased by 3.27% |  |  | 28,406,579 |  |  |  | 7,081,232 |  |  |  | 397 |  |  |  | (2,440 | )
Disability and illness (fixed compensation) |  | Increased by 3.40% |  |  | 29,032,742 |  |  |  | 6,553,779 |  |  |  | (98,314 | ) |  |  | 41,408 |
Disability and illness (actual loss compensation) |  | Increased by 2.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Long-term property and other |  | Increased by 4.19% |  |  | 28,288,556 |  |  |  | 7,199,651 |  |  |  | — |  |  |  | — |
lapse rate (increase) |  | Increased by 9.16% |  |  | 29,032,371 |  |  |  | 6,475,155 |  |  |  | (19,318 | ) |  |  | (78,503 | )
lapse rate (decrease) |  | Decreased by 9.16% |  |  | 27,470,393 |  |  |  | 8,000,387 |  |  |  | 17,427 |  |  |  | 82,187 |
Operating expense (level) |  | Increased by 2.62% |  |  | 28,487,259 |  |  |  | 7,007,703 |  |  |  | (6,755 | ) |  |  | 15,146 |
Operating expense (inflation) |  | Increased by 0.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (*1) | This amount is presented before reflecting the effects of reinsurance.
| (*2) | The risk adjustment is calculated at the 75% confidence level.
| (*3) | The risk adjustment included in the fulfilment cash flows was calculated without shock.
| (*4) | The profit or loss for the year consists of (i) an increase in the present value estimate of future cash flows that exceeds the carrying amount of the contractual service margin, resulting in a loss due to changes in assumptions, and (ii) changes in the present value estimate of future cash flows allocated to the loss component, which also result from changes in assumptions.
Insurance Contract Variable [Member] |
Disclosure of detailed information about concentrations of risk that arises from contracts within scope of IFRS 17 [line items] |
Summary of changes in major assumptions on insurance contract liabilities (assets) | vi -3) Variable insurance contracts
|  |  |  | 2024 |
|  |  |  | Base amount and base amount after change |  |  | Impact on profit or loss and equity (before tax) |
|  | Sensitivity (*2) |  | Fulfilment cash flows (*3) |  |  | Contractual service margin |  |  | Profit or loss (*4) |  |  | Other comprehensive income (loss) |
Base amount |  |  |  | W | 4,773,118 |  |  |  | 135,908 |  |  |  | — |  |  |  | — |
Mortality rate |  | Increased by 3.27% |  |  | 4,788,129 |  |  |  | 128,304 |  |  |  | (7,407 | ) |  |  | 1,386 |
Disability and illness (fixed compensation) |  | Increased by 3.40% |  |  | 4,797,541 |  |  |  | 129,336 |  |  |  | (17,851 | ) |  |  | 1,666 |
Disability and illness (actual loss compensation) |  | Increased by 2.62%
Long-term property and other |  | Increased by 4.19% |  |  | 4,773,118 |  |  |  | 135,908 |  |  |  | — |  |  |  | — |
lapse rate (increase) |  | Increased by 9.16% |  |  | 4,824,350 |  |  |  | 106,919 |  |  |  | (22,243 | ) |  |  | (9,536 | )
lapse rate (decrease) |  | Decreased by 9.16% |  |  | 4,716,553 |  |  |  | 190,190 |  |  |  | 2,282 |  |  |  | 10,428 |
Operating expense (level) |  | Increased by 2.62% |  |  | 4,786,747 |  |  |  | 127,067 |  |  |  | (4,787 | ) |  |  | 981 |
Operating expense (inflation) |  | Increased by 0.26%
|  |  |  | 2025 |
|  |  |  | Base amount and base amount after change |  |  | Impact on profit or loss and equity (before tax) |
|  | Sensitivity (*2) |  | Fulfilment cash flows (*3) |  |  | Contractual service margin |  |  | Profit or loss (*4) |  |  | Other comprehensive income (loss) |
Base amount |  |  |  | W | 5,528,259 |  |  |  | 223,218 |  |  |  | — |  |  |  | — |
Mortality rate |  | Increased by 3.27% |  |  | 5,542,000 |  |  |  | 218,227 |  |  |  | (8,750 | ) |  |  | 2,058 |
Disability and illness (fixed compensation) |  | Increased by 3.40% |  |  | 5,553,328 |  |  |  | 218,469 |  |  |  | (20,320 | ) |  |  | 2,632 |
Disability and illness (actual loss compensation) |  | Increased by 2.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Long-term property and other |  | Increased by 4.19% |  |  | 5,528,259 |  |  |  | 223,218 |  |  |  | — |  |  |  | — |
lapse rate (increase) |  | Increased by 9.16% |  |  | 5,585,976 |  |  |  | 190,331 |  |  |  | (24,830 | ) |  |  | (9,064 | )
lapse rate (decrease) |  | Decreased by 9.16% |  |  | 5,464,450 |  |  |  | 278,118 |  |  |  | 8,909 |  |  |  | 9,826 |
Operating expense (level) |  | Increased by 2.62% |  |  | 5,541,523 |  |  |  | 216,204 |  |  |  | (6,250 | ) |  |  | 1,203 |
Operating expense (inflation) |  | Increased by 0.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| (*1) | This amount is presented before reflecting the effects of reinsurance.
| (*2) | The risk adjustment is calculated at the 75% confidence level.
| (*3) | The risk adjustment included in the fulfilment cash flows was calculated without shock.
| (*4) | The profit or loss for the year consists of (i) an increase in the present value estimate of future cash flows that exceeds the carrying amount of the contractual service margin, resulting in a loss due to changes in assumptions, and (ii) changes in the present value estimate of future cash flows allocated to the loss component, which also result from changes in assumptions.
After Reflecting The Effect Of Reinsurance [Member] |
Disclosure of detailed information about concentrations of risk that arises from contracts within scope of IFRS 17 [line items] |
Summary of changes in major assumptions on insurance contract liabilities (assets) | vi -4) After reflecting the effects of reinsurance
|  |  |  | 2024 |
|  |  |  | Base amount and base amount after change |  |  | Impact on profit or loss and equity (before tax) |
|  | Sensitivity (*2) |  | Fulfilment cash flows (*3) |  |  | Contractual service margin |  |  | Profit or loss (*4) |  |  | Other comprehensive income (loss) |
Base amount |  |  |  | W | 39,819,864 |  |  |  | 6,869,326 |  |  |  | — |  |  |  | — |
Mortality rate |  | Increased by 3.27% |  |  | 39,946,680 |  |  |  | 6,740,875 |  |  |  | 1,635 |  |  |  | 8,702 |
Disability and illness (fixed compensation) |  | Increased by 3.40% |  |  | 40,478,965 |  |  |  | 6,256,714 |  |  |  | (46,488 | ) |  |  | 34,285 |
Disability and illness (actual loss compensation) |  | Increased by 2.62%
Long-term property and other |  | Increased by 4.19% |  |  | 39,819,864 |  |  |  | 6,869,326 |  |  |  | — |  |  |  | — |
lapse rate (increase) |  | Increased by 9.16% |  |  | 40,533,222 |  |  |  | 6,181,469 |  |  |  | (25,501 | ) |  |  | (86,772 | )
lapse rate (decrease) |  | Decreased by 9.16% |  |  | 39,031,830 |  |  |  | 7,651,376 |  |  |  | 5,984 |  |  |  | 133,903 |
Operating expense (level) |  | Increased by 2.62% |  |  | 40,031,868 |  |  |  | 6,669,753 |  |  |  | (12,430 | ) |  |  | 9,624 |
Operating expense (inflation) |  | Increased by 0.26%
|  |  |  | 2025 |
|  |  |  | Base amount and base amount after change |  |  | Impact on profit or loss and equity (before tax) |
|  | Sensitivity (*2) |  | Fulfilment cash flows (*3) |  |  | Contractual service margin |  |  | Profit or loss (*4) |  |  | Other comprehensive income (loss) |
Base amount |  |  |  | W | 38,727,725 |  |  |  | 7,062,840 |  |  |  | — |  |  |  | — |
Mortality rate |  | Increased by 3.27% |  |  | 38,845,670 |  |  |  | 6,943,850 |  |  |  | 1,045 |  |  |  | (2,160 | )
Disability and illness (fixed compensation) |  | Increased by 3.40% |  |  | 39,445,049 |  |  |  | 6,463,985 |  |  |  | (118,469 | ) |  |  | 41,920 |
Disability and illness (actual loss compensation) |  | Increased by 2.62% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Long-term property and other |  | Increased by 4.19% |  |  | 38,727,725 |  |  |  | 7,062,840 |  |  |  | — |  |  |  | — |
lapse rate (increase) |  | Increased by 9.16% |  |  | 39,477,221 |  |  |  | 6,345,060 |  |  |  | (31,715 | ) |  |  | (92,695 | )
lapse rate (decrease) |  | Decreased by 9.16% |  |  | 37,900,620 |  |  |  | 7,876,309 |  |  |  | 13,636 |  |  |  | 97,419 |
Operating expense (level) |  | Increased by 2.62% |  |  | 38,944,441 |  |  |  | 6,861,174 |  |  |  | (15,050 | ) |  |  | 16,960 |
Operating expense (inflation) |  | Increased by 0.26% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
(*1) | This amount represents the combined total of participating, non-participating, and variable insurance contracts.
(*2) | The risk adjustment is calculated at the 75% confidence level.
(*3) | The risk adjustment included in the fulfilment cash flows was calculated without shock.
(*4) | The profit or loss for the year consists of (i) an increase in the present value estimate of future cash flows that exceeds the carrying amount of the contractual service margin, resulting in a loss due to changes in assumptions, and (ii) changes in the present value estimate of future cash flows allocated to the loss component, which also result from changes in assumptions.
Insurance risk [member] |
Disclosure of detailed information about concentrations of risk that arises from contracts within scope of IFRS 17 [line items] |
Summary of concentration of insurance risks | v-1) The concentration of insurance risks by region (based on the fulfilment cash flows) as of December 31, 2024 and 2025 is as follows:
|  | 2024 |
|  | Insurance contracts |  |  | Reinsurance contracts |  |  | Total |
|  | Participating |  |  | Non-participating |  |  | Variable |
Domestic |  | W | 5,200,167 |  |  |  | 31,160,425 |  |  |  | 4,834,945 |  |  |  | 345,177 |  |  |  | 41,540,714 |
International |  |  | — |  |  |  | (1,341 | ) |  |  | — |  |  |  | — |  |  |  | (1,341 | )
|  | W | 5,200,167 |  |  |  | 31,159,084 |  |  |  | 4,834,945 |  |  |  | 345,177 |  |  |  | 41,539,373 |
|  | 2025 |
|  | Insurance contracts |  |  | Reinsurance contracts |  |  | Total |
|  | Participating |  |  | Non-participating |  |  | Variable |
Domestic |  | W | 4,959,061 |  |  |  | 29,808,665 |  |  |  | 5,591,163 |  |  |  | 53,048 |  |  |  | 40,411,937 |
International |  |  | — |  |  |  | (849 | ) |  |  | — |  |  |  | — |  |  |  | (849 | )
|  | W | 4,959,061 |  |  |  | 29,807,816 |  |  |  | 5,591,163 |  |  |  | 53,048 |  |  |  | 40,411,088 |
Summary of changes in major assumptions on insurance contract liabilities (assets) |
| viii-2) | Interest rate risk sensitivity
|  | 2024 |  |  | 2025 |
|  | Profit or loss |  |  | Equity |  |  | Profit or loss |  |  | Equity |
100 bp Increase |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Insurance contracts (*1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Participating |  | W | — |  |  |  | 539,618 |  |  |  | — |  |  |  | 509,420 |
Non-participating |  |  | — |  |  |  | 3,772,927 |  |  |  | — |  |  |  | 4,535,425 |
Variable |  |  | — |  |  |  | 44,699 |  |  |  | — |  |  |  | 21,308 |
|  |  | — |  |  |  | 4,357,244 |  |  |  | — |  |  |  | 5,066,153 |
Reinsurance contracts (*1) |  |  | — |  |  |  | 50,365 |  |  |  | — |  |  |  | 255,489 |
Financial assets (*2) |  |  | (35,934 | ) |  |  | (4,777,699 | ) |  |  | (26,466 | ) |  |  | (4,736,892 | )
100 bp Decrease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Insurance contracts (*1) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Participating |  |  | — |  |  |  | (658,212 | ) |  |  | — |  |  |  | (620,972 | )
Non-participating |  |  | — |  |  |  | (5,332,780 | ) |  |  | — |  |  |  | (5,802,811 | )
Variable |  |  | — |  |  |  | (82,742 | ) |  |  | — |  |  |  | (60,875 | )
|  |  | — |  |  |  | (6,073,734 | ) |  |  | — |  |  |  | (6,484,658 | )
Reinsurance contracts (*1) |  |  | — |  |  |  | (59,948 | ) |  |  | — |  |  |  | (308,842 | )
Financial assets (*2) |  |  | 35,934 |  |  |  | 5,837,965 |  |  |  | 26,563 |  |  |  | 5,800,791 |
| (*1) | This is the impact on equity (before tax) due to changes in expected cash flows of insurance and reinsurance contracts, excluding variable annuities/savings.
| (*2) | These sensitivities are calculated for assets related to insurance contracts, excluding variable annuities and savings products. The effect on profit or loss represents changes in the fair value of financial assets measured at FVTPL, while the effect on equity represents changes in the fair value of financial assets measured at FVOCI.
| ix) | Equity price risk arising from insurance contracts
The impact of changes in equity prices on profit or loss and equity as of December 31, 2024 and 2025 is as follows:
|  | 2024 |  |  | 2025 |
|  | Profit or loss |  |  | Equity |  |  | Profit or loss |  |  | Equity |
10% Increase |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Insurance contracts |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Participating |  | W | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non-participating |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Variable |  |  | (193,578 | ) |  |  | — |  |  |  | (255,595 | ) |  |  | — |
|  | (193,578) |  |  | — |  |  | (255,595) |  |  | — |
Reinsurance contracts |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Financial assets |  |  | 193,578 |  |  |  | — |  |  |  | 255,595 |  |  |  | — |
10% Decrease |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Insurance contracts |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
Participating |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Non-participating |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Variable |  |  | 193,578 |  |  |  | — |  |  |  | 255,595 |  |  |  | — |
|  | 193,578 |  |  | — |  |  | 255,595 |  |  | — |
Reinsurance contracts |  |  | — |  |  |  | — |  |  |  | — |  |  |  | — |
Financial assets |  |  | (193,578 | ) |  |  | — |  |  |  | (255,595 | ) |  |  | — |
| (*) | The analysis is performed for assets related to variable annuity and savings insurance contracts subject to the Variable Fee Approach. The effect on profit or loss represents changes in the fair value of financial assets measured at FVTPL.
Currency risk [member] |
Disclosure of detailed information about concentrations of risk that arises from contracts within scope of IFRS 17 [line items] |
Summary of concentration of insurance risks | v-2) The amount of foreign currency insurance liabilities (based on the fulfilment cash flows) as of December 31, 2024 and 2025 are as follows:
|  | 2024 |  |  | 2025 |
|  | Foreign currency amount |  |  | KRW converted amount |  |  | Foreign currency amount |  |  | KRW converted amount |
Foreign currency insurance contract liabilities: |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
USD (thousand) |  |  | 168,209 |  |  |  | 247,267 |  |  |  | 279,946 |  |  |  | 401,695 |
EUR (thousand) |  |  | 119 |  |  |  | 182 |  |  |  | 110 |  |  |  | 185 |
VND (million) |  |  | (23,242 | ) |  |  | (1,341 | ) |  |  | (15,540 | ) |  |  | (849 | )
|  |  |  |  |  |  | 246,108 |  |  |  |  |  |  |  | 401,031 |

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