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Insurance Risk (Tables)

12 Months Ended

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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