Han Kook Capital. Income Statement

Financials in millions KRW. Fiscal year is January - December.

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2010
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Mar '10 Mar 31, 2010
Interest and Dividend Income	449,514	404,315	337,036	267,200	212,191	57,882
Total Interest Expense	181,790	170,287	127,851	87,809	64,102	26,016
Net Interest Income	267,724	234,028	209,185	179,391	148,089	31,866
Commissions and Fees	43,101	31,446	19,485	11,093	13,560	3,892
Gain (Loss) on Sale of Loans & Receivables	14,312	16,296	19,181	13,999	9,255	945.88
Gain (Loss) on Sale of Investments	7,267	9,544	3,781	842.71	2,902	4,149
Other Revenue	865.28	829.46	1,922	655.16	643.96	95.47
Revenue Before Loan Losses	333,269	292,143	253,554	207,578	175,653	40,948
Provision for Loan Losses	122,529	114,684	112,137	62,348	51,368	29,626
Revenue	210,740	177,459	141,417	145,229	124,285	11,323
Revenue Growth (YoY)	31.00%	25.49%	-2.63%	16.85%	997.64%	-26.35%
Salaries & Employee Benefits	31,860	30,759	30,204	32,176	28,113	4,603
Cost of Services Provided	14,109	12,423	10,918	11,264	12,221	3,351
Other Operating Expenses	8,421	6,980	5,254	4,131	3,761	-347.7
Total Operating Expenses	57,658	53,628	50,429	52,482	48,852	8,894
Operating Income	153,082	123,832	90,988	92,747	75,433	2,429
Earnings From Equity Investments	3,044	6,598	667.3	-730.25	-79.22	-
Currency Exchange Gain (Loss)	38.86	20.98	27.63	8.77	14.1	1,432
EBT Excluding Unusual Items	148,921	121,780	90,026	89,463	73,700	4,420
Gain (Loss) on Sale of Investments	-5,411	-5,452	-1,429	-2,232	-	-1,003
Other Unusual Items	-	-	-	-	-	6.2
Pretax Income	118,064	102,222	84,827	87,097	73,699	5,119
Income Tax Expense	24,891	21,086	18,642	22,002	20,561	1,150
Earnings From Continuing Ops.	93,174	81,136	66,185	65,095	53,138	3,969
Net Income	93,174	81,136	66,185	65,095	53,138	3,969
Preferred Dividends & Other Adjustments	17,457	9,980	3,835	2,504	769.91	-
Net Income to Common	75,716	71,157	62,350	62,591	52,368	3,969
Net Income Growth	22.63%	22.59%	1.68%	22.50%	1238.87%	-15.19%
Shares Outstanding (Basic)	280	313	313	313	312	174
Shares Outstanding (Diluted)	280	313	313	313	312	174
Shares Change (YoY)	-19.04%	0.03%	0.03%	0.01%	79.28%	-
EPS (Basic)	270.58	227.56	199.46	200.29	167.60	22.77
EPS (Diluted)	270.58	227.56	199.46	200.29	167.60	22.77
EPS Growth	26.35%	14.09%	-0.41%	19.50%	635.98%	-15.19%
Free Cash Flow	-491,647	-502,558	-280,292	-77,340	-527,217	164,495
Free Cash Flow Per Share	-1756.97	-1607.21	-896.68	-247.49	-1687.32	943.83
Dividend Per Share	30.000	30.000	28.000	28.000	-	-
Dividend Growth	7.14%	7.14%	-	-	-	-
Operating Margin	72.64%	69.78%	64.34%	63.86%	60.69%	21.45%
Profit Margin	35.93%	40.10%	44.09%	43.10%	42.14%	35.05%
Free Cash Flow Margin	-233.29%	-283.20%	-198.20%	-53.25%	-424.20%	1452.77%
Effective Tax Rate	21.08%	20.63%	21.98%	25.26%	27.90%	22.46%
Revenue as Reported	-	-	-	-	-	85,507

Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.