Key Metrics of Kookmin Bank
About Kookmin Bank
Sectors
Company details
Operational Areas of Kookmin Bank
Company summary
Entity details
Compliance
Industry classification
Financials, ratios and risk analysis
Revenue, EBITDA, net profit, net worth, debt and assets for every filing year, 15+ ratios, the financial health score, shareholding, charges and peer comparison are part of the premium plan.
Sign in to continue See plans & pricingFiling compliance
Due dates follow the Companies Act: AGM within six months of the year end, AOC-4 within 30 days and MGT-7 within 60 days of the AGM. A filing made but not yet uploaded here shows as pending.
Vendor checks & payment capacity
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Credit ratings
Rating actions
| Date | Agency | Action | Long term | Short term | Outlook | Rated amount | Rationale |
|---|---|---|---|---|---|---|---|
| 07 Oct 2026 | ICRA | Assigned | — | A1+ | — | ₹500 Cr | View |
Credit strengths (ICRA, Oct 2026)
+ High operational and financial linkages with HO
ICRA derives comfort from the high operational and financial linkages between the Indian branches and the HO.
+ Adequate capitalisation profile
Given its limited presence in India, with commercial operations conducted through three branches till Q1 FY2026, the overall scale remains modest.
+ Asset quality likely to remain satisfactory
The Indian branches reported only one non -performing advance (NPA) account since the commencement of operations in India, amounting to around Rs. 10 crore in FY2024.
Credit challenges
− High concentration of deposits and advances at Indian branches
The Indian branches’ deposit profile remains characterised by a high degree of concentration, with wholesale deposits constituting the predominant source of funding.
Could lead to a downgrade
ICRA could downgrade the rating for the Indian branches in case of a material deterioration in the credit profile of Kookmin Bank.
Agency-reported financials (ICRA, 07 Oct 2026)
| Metric | FY2025 | FY2026 |
|---|---|---|
| Total operating income^ | ₹250 Cr | ₹271 Cr |
| Profit after tax | ₹-0.53 Cr | ₹-0.35 Cr |
| Total assets | ₹3,603 Cr | ₹3,277 Cr |
| Return on average total assets | 0.0% | 0.0% |
| CET I/Tier I | 28.9% | 31.0% |
| CRAR | 29.4% | 31.8% |
| Gross NPA | 0.0% | 0.0% |
| Net NPA | 0.0% | 0.0% |
| Revenue growth (YoY) | — | 8.4% |
| PAT margin | −0.2% | −0.1% |
Borrowings & rated debt
Facility mix
Rated facilities
| Facility | Type | Previous | Current | Change | Rating | Action | Agency |
|---|---|---|---|---|---|---|---|
| Certificates of deposit | Fixed deposits | — | ₹500 Cr | — | A1+ | Assigned | ICRA |
Credit assessment · Banks
Rating Methodology – Banks (Mar 2025) · Standalone accounts · FY 2025-26
Ratios, pillar scores and the indicative rating are part of Premium.
Instrument ratings
| Instrument | Type | Rated | Per criteria | Basis |
|---|---|---|---|---|
| Certificates of deposit | Fixed deposits | — ICRA | AA- | Tier II + 1 |
| days + | Fixed deposits | A ICRA | AA-2 notches lower than criteria | Tier II + 1 |
Rating status
| Default | No default on record |
| Issuer cooperation | Cooperating |
| Credit enhancement | None – standalone rating |
| Next action stable or better (model) | 41% |
| Information on file | 33% · missing: Annual results history (3+ years), Liquidity position, Debt obligations and repayment schedule, Capex / investment plans, Auditor details, Shareholding pattern |
Indicative assessment from public data using the published methodology factors; not a credit rating.
Borrowing & funding lifecycle
- Credit outlook model: 34% chance the next rating action is stable or better
Rated limits by facility
Timeline
Lender names, bank charges and audited borrowings are part of Premium.
Built from MCA charges, ICRA/CARE rating reports and audited accounts. The borrowing view is an estimate, not a lender's credit decision.
Registered office and contact
Directors and key people
Directors are read from the MGT-7 annual return and AOC-4 signatories.
Competitors of Kookmin Bank
Top competitors by location
| Company | Description | Domain | Founded | Location |
|---|---|---|---|---|
 HDFC Bank |
Outlets operated by HDFC Bank. | hdfc.bank.in | 1994 | India |
 ICICI Bank |
Outlets operated by ICICI Bank. | icici.bank.in | — | India |
 State Bank of India |
Outlets operated by State Bank of India. | sbi.bank.in | 1955 | India |
| Outlets operated by Bank of Baroda. | bankofbaroda.bank.in | 1908 | India | |
 Axis Bank |
Outlets operated by Axis Bank. | axis.bank.in | 1990 | Ahmedabad, India |
 Punjab National Bank |
Outlets operated by punjab national bank. | pnb.bank.in | 1894 | India |
 Canara Bank |
Outlets operated by Canara Bank. | canarabank.com | 1906 | Mumbai, India |
 Union Bank of India |
Outlets operated by Union Bank of India. | unionbankofindia.bank.in | 1919 | India |
| Outlets operated by Bank of India. | bankofindia.bank.in | 1906 | Mumbai, India | |
| Outlets operated by Kotak Mahindra Bank. | kotak.bank.in | 1985 | Mumbai, India |
Similar companies
Charges (secured borrowings)
0 registered charges. Lenders, amounts and dates are part of the premium plan.
Statutory auditors
Auditors are read from the AOC-4 auditor's report section.
Business activities and related parties
Principal business activities and related-party transactions are read from MGT-7 and AOC-4 filings.
Filings
No filings on record yet.