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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	484,055	470,249	404,315	337,036	267,200	212,191
Total Interest Expense	183,553	182,919	170,287	127,851	87,809	64,102
Net Interest Income	300,502	287,330	234,028	209,185	179,391	148,089
Commissions and Fees	38,149	40,009	31,446	19,485	11,093	13,560
Gain (Loss) on Sale of Loans & Receivables	17,371	16,822	16,296	19,181	13,999	9,255
Gain (Loss) on Sale of Investments	10,805	10,394	9,544	3,781	842.71	2,902
Other Revenue	1,141	913.79	829.46	1,922	655.16	643.96
Revenue Before Loan Losses	367,969	355,469	292,143	253,554	207,578	175,653
Provision for Loan Losses	149,401	136,320	114,684	112,137	62,348	51,368
Revenue	218,567	219,148	177,459	141,417	145,229	124,285
Revenue Growth (YoY)	17.84%	23.49%	25.49%	-2.63%	16.85%	997.64%
Salaries & Employee Benefits	34,977	34,405	30,759	30,204	32,176	28,113
Cost of Services Provided	15,352	15,002	12,423	10,918	11,264	12,221
Other Operating Expenses	9,823	8,974	6,980	5,254	4,131	3,761
Total Operating Expenses	63,350	61,463	53,628	50,429	52,482	48,852
Operating Income	155,218	157,685	123,832	90,988	92,747	75,433
Earnings From Equity Investments	2,317	344.59	6,598	667.3	-730.25	-79.22
Currency Exchange Gain (Loss)	24.02	22.1	20.98	27.63	8.77	14.1
EBT Excluding Unusual Items	151,520	152,164	121,780	90,026	89,463	73,700
Gain (Loss) on Sale of Investments	-9,368	-9,623	-5,452	-1,429	-2,232	-
Pretax Income	129,067	127,036	102,222	84,827	87,097	73,699
Income Tax Expense	27,188	26,515	21,086	18,642	22,002	20,561
Earnings From Continuing Ops.	101,879	100,522	81,136	66,185	65,095	53,138
Net Income	101,879	100,522	81,136	66,185	65,095	53,138
Preferred Dividends & Other Adjustments	12,433	9,980	-	3,835	2,504	769.91
Net Income to Common	89,446	90,542	81,136	62,350	62,591	52,368
Net Income Growth	26.28%	23.89%	22.59%	1.68%	22.50%	1238.87%
Shares Outstanding (Basic)	303	313	356	313	313	312
Shares Outstanding (Diluted)	303	313	356	313	313	312
Shares Change (YoY)	-16.91%	-12.09%	13.84%	0.03%	0.01%	79.28%
EPS (Basic)	294.71	289.42	228.00	199.46	200.29	167.60
EPS (Diluted)	294.71	289.42	228.00	199.46	200.29	167.60
EPS Growth	29.46%	26.94%	14.31%	-0.41%	19.50%	635.98%
Free Cash Flow	-548,612	-529,489	-502,558	-280,292	-77,340	-527,217
Free Cash Flow Per Share	-1807.62	-1692.52	-1412.23	-896.68	-247.49	-1687.32
Dividend Per Share	-	-	-	28.000	28.000	-
Operating Margin	71.02%	71.95%	69.78%	64.34%	63.86%	60.69%
Profit Margin	40.92%	41.32%	45.72%	44.09%	43.10%	42.14%
Free Cash Flow Margin	-251.00%	-241.61%	-283.20%	-198.20%	-53.25%	-424.20%
Effective Tax Rate	21.07%	20.87%	20.63%	21.98%	25.26%	27.90%