Posbank Co.,Ltd. Income Statement

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

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Revenue	66,829	79,284	91,488	91,496	61,748
Revenue Growth (YoY)	-17.92%	-13.34%	-0.01%	48.18%	-
Cost of Revenue	50,131	56,314	66,327	70,404	40,661
Gross Profit	16,698	22,971	25,161	21,092	21,087
Selling, General & Admin	12,566	11,034	10,231	9,224	16,709
Research & Development	3,356	2,693	2,509	1,953	271.81
Other Operating Expenses	388.59	314.8	301.98	286.03	369.64
Operating Expenses	16,791	14,541	13,169	11,656	21,077
Operating Income	-93.56	8,430	11,992	9,437	10
Interest Expense	-726.18	-620.85	-667.77	-632.33	-852.78
Interest & Investment Income	1,314	654.49	110.83	39.55	64.8
Currency Exchange Gain (Loss)	-124.27	31.01	369.26	76.21	-299.04
Other Non Operating Income (Expenses)	126.56	41.32	-2,183	309.39	162.71
EBT Excluding Unusual Items	496.51	8,536	9,622	9,229	-914.32
Gain (Loss) on Sale of Investments	14.29	45.98	-43.19	2,492	30.68
Gain (Loss) on Sale of Assets	-39.72	494.95	7	3.84	-
Asset Writedown	-	-	-	-1,639	-3,272
Other Unusual Items	-	-	-	-	799.74
Pretax Income	471.08	9,077	9,586	10,086	-3,356
Income Tax Expense	-514.39	1,547	2,618	1,477	-389.85
Net Income	985.46	7,530	6,968	8,609	-2,966
Net Income to Common	985.46	7,530	6,968	8,609	-2,966
Net Income Growth	-80.48%	8.07%	-19.06%	-	-
Shares Outstanding (Basic)	9	8	7	7	7
Shares Outstanding (Diluted)	10	8	7	7	7
Shares Change (YoY)	29.35%	23.15%	-7.55%	4.87%	-
EPS (Basic)	111.06	982.41	1056.39	1313.63	-439.60
EPS (Diluted)	102.31	927.00	1056.00	1187.09	-439.60
EPS Growth	-84.95%	-12.22%	-11.04%	-	-
Free Cash Flow	4,245	2,865	14,591	-11,483	3,064
Free Cash Flow Per Share	441.81	352.63	2212.02	-1609.55	450.30
Gross Margin	24.99%	28.97%	27.50%	23.05%	34.15%
Operating Margin	-0.14%	10.63%	13.11%	10.31%	0.02%
Profit Margin	1.47%	9.50%	7.62%	9.41%	-4.80%
Free Cash Flow Margin	6.35%	3.61%	15.95%	-12.55%	4.96%
EBITDA	1,858	10,163	13,081	10,716	3,923
EBITDA Margin	2.78%	12.82%	14.30%	11.71%	6.35%
D&A For EBITDA	1,951	1,732	1,089	1,279	3,913
EBIT	-93.56	8,430	11,992	9,437	10
EBIT Margin	-0.14%	10.63%	13.11%	10.31%	0.02%
Effective Tax Rate	-	17.04%	27.31%	14.64%	-
Advertising Expenses	-	812.16	264.52	275.69	120.84

Source: S&P Capital IQ. Standard template. Financial Sources.