| Company | Classification | Long-term | Short-term | Outlook |
|---|---|---|---|---|
| KB Financial Group (Holding company) |
Moody's | A1 | P-1 | Stable |
| S&P | A | A-1 | Stable | |
| KB Kookmin Bank | Moody's | Aa3 | P-1 | Stable |
| S&P | A+ | A-1 | Stable | |
| Fitch | A | F1+ | Stable | |
| KB Securities | Moody's | A3 | P-2 | Stable |
| S&P | A- | A-2 | Stable | |
| KB Insurance | Moody's | A2 | - | Stable |
| KB Kookmin Card | Moody's | A2 | P-1 | Stable |
| KB Capital | Moody's | A3 | - | Stable |
Credit Rating Scales
These credit-rating scales represent forward-looking assessments of the ability of financial institutions to meet their financial obligations, as provided by global credit rating agencies such as Moody’s, S&P and Fitch. Credit ratings are classified as long-term and short-term. Long-term ratings are used in assessments of a financial institution’s ability to meet long-term obligations, risk of default, and protection of investor rights. Short-term ratings are used for assessments of a financial institution’s ability to meet short-term obligations on funds with original maturities of one year or less, and of risks of default.
Long-term Ratings
| Ratings | Moody's | S&P | Fitch | Description |
|---|---|---|---|---|
| Eligible Investment Ratings | Aaa | AAA | AAA | Exceptional credit quality and lowest expectation of investment risk |
| Aa1 | AA+ | AA+ | Excellent credit quality and very low expectation of investment risk | |
| Aa2 | AA | AA | ||
| Aa3 | AA- | AA- | ||
| A1 | A+ | A+ | Good credit quality and currently low expectation of investment risk | |
| A2 | A | A | ||
| A3 | A- | A- | ||
| Baa1 | BBB+ | BBB+ | Adequate credit quality and currently low expectation of investment risk | |
| Baa2 | BBB | BBB | ||
| Baa3 | BBB- | BBB- | ||
| Ineligible Investment Ratings | Ba1 | BB+ | BB+ | Questionable credit quality and possibility of investment risk developing |
| Ba2 | BB | BB | ||
| Ba3 | BB- | BB- | ||
| B1 | B+ | B+ | Generally poor credit quality and investment risk exist | |
| B2 | B | B | ||
| B3 | B- | B- | ||
| Caa1 | CCC+ | Extremely poor credit quality and currently perceived possibility of default | ||
| Caa2 | CCC | CCC | ||
| Caa3 | CCC- | |||
| Ca | CC | CC | ||
| C | C | C | ||
| - | D | D | Default |
Short-term Ratings
| Ratings | Moody's | Description |
|---|---|---|
| Eligible Investment Ratings | Prime-1 | Superior credit quality and a very strong capacity for timely payment of less than 12 months deposit obligations |
| Prime-2 | Strong credit quality and a strong capacity for timely payment of less than 12 months deposit obligations | |
| Prime-3 | Acceptable credit quality and a adequate capacity for timely payment of less than 12 months deposit obligations | |
| Ineligible Investment Ratings | Not Prime | Questionable to poor credit quality and a uncertain capacity for timely payment of less than 12 months deposit obligations |
| Ratings | S&P | Fitch | Description |
|---|---|---|---|
| Eligible Investment Ratings | A-1 | F1 | Highest credit quality |
| A-2 | F2 | Good credit quality | |
| A-3 | F3 | Fair credit quality | |
| Ineligible Investment Ratings | B | B | Speculative |
| C | C | High default risk | |
| D | D | Default |