NAU IB 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 2020
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	Dec '20 Dec 31, 2020
Interest and Dividend Income	193.99	245.26	60.26	112.22	437.36	709.35
Total Interest Expense	1,950	1,855	1,551	770.24	-	-
Net Interest Income	-1,756	-1,610	-1,491	-658.02	437.36	709.35
Commissions and Fees	11,665	9,762	12,309	9,606	16,973	7,986
Gain (Loss) on Sale of Investments	10,519	5,954	8,955	4,978	8,120	1,140
Other Revenue	-0	-	-	-	-0	29.99
Revenue Before Loan Losses	20,428	14,106	19,774	13,926	25,530	9,865
Provision for Loan Losses	11.63	5.31	12.91	-3.72	-28.33	15.05
Revenue	20,416	14,101	19,761	13,930	25,558	9,850
Revenue Growth (YoY)	46.89%	-28.64%	41.86%	-45.50%	159.48%	40.36%
Salaries & Employee Benefits	5,314	5,064	4,312	5,181	9,231	4,280
Cost of Services Provided	732.31	1,227	1,316	951.83	692.98	731.21
Other Operating Expenses	252.95	239.2	305.51	225.61	404.5	267.07
Total Operating Expenses	6,804	7,027	6,314	6,651	10,616	5,589
Operating Income	13,613	7,073	13,447	7,279	14,942	4,261
Earnings From Equity Investments	-6,181	5,472	-1,119	6,408	3,884	5,706
EBT Excluding Unusual Items	9,633	14,890	13,333	13,240	16,390	10,384
Gain (Loss) on Sale of Investments	-4,553	-5,925	-10,843	-2,089	-122.81	-417.45
Pretax Income	5,080	8,965	2,490	11,151	16,267	9,967
Income Tax Expense	222.48	1,034	551.34	2,849	3,632	2,340
Net Income	4,858	7,931	1,939	8,302	12,635	7,627
Net Income to Common	4,858	7,931	1,939	8,302	12,635	7,627
Net Income Growth	-62.72%	309.01%	-76.64%	-34.30%	65.67%	159.02%
Shares Outstanding (Basic)	95	95	94	94	95	94
Shares Outstanding (Diluted)	95	95	95	95	96	94
Shares Change (YoY)	0.25%	0.37%	-0.03%	-1.26%	1.40%	-
EPS (Basic)	51.11	83.89	20.61	88.12	133.15	80.72
EPS (Diluted)	51.11	83.89	20.00	87.00	131.90	80.70
EPS Growth	-62.72%	319.44%	-77.01%	-34.04%	63.44%	158.96%
Free Cash Flow	-16,444	138.1	8,953	-10,511	-13,700	-10,720
Free Cash Flow Per Share	-173.02	1.46	94.67	-111.11	-143.00	-113.45
Dividend Per Share	20.000	20.000	-	-	-	-
Operating Margin	66.68%	50.16%	68.05%	52.26%	58.46%	43.26%
Profit Margin	23.79%	56.24%	9.81%	59.59%	49.44%	77.43%
Free Cash Flow Margin	-80.54%	0.98%	45.31%	-75.46%	-53.60%	-108.83%
Effective Tax Rate	4.38%	11.54%	22.14%	25.55%	22.33%	23.48%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.