HB Investment 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	-768.95	-	-	-	-	130.02
Total Interest Expense	77.25	81.35	70.78	43.37	33.35	16.59
Net Interest Income	-846.2	-81.35	-70.78	-43.37	-33.35	113.43
Commissions and Fees	12,692	11,306	16,712	7,775	5,911	6,114
Gain (Loss) on Sale of Investments	5,379	3,849	3,805	8,153	5,517	4,507
Other Revenue	-0	0	0	0	-0	-0
Revenue Before Loan Losses	17,224	15,073	20,446	15,885	11,394	10,735
Revenue	17,224	15,073	20,446	15,885	11,394	10,735
Revenue Growth (YoY)	30.63%	-26.28%	28.71%	39.42%	6.15%	97.54%
Salaries & Employee Benefits	4,124	4,843	5,611	2,809	2,232	2,509
Cost of Services Provided	1,968	1,400	1,886	2,065	1,096	740.26
Other Operating Expenses	98.03	99.78	82.71	64.49	45.04	57.72
Total Operating Expenses	6,558	6,692	7,935	5,188	3,547	3,478
Operating Income	10,666	8,380	12,511	10,697	7,848	7,257
EBT Excluding Unusual Items	11,471	9,340	12,786	10,778	7,910	7,369
Gain (Loss) on Sale of Investments	-3,325	-1,967	-1,976	-1,450	-108.49	-1,086
Pretax Income	8,169	7,400	10,810	9,327	7,813	6,172
Income Tax Expense	1,524	1,364	1,929	1,855	1,733	965.1
Net Income	6,644	6,037	8,881	7,472	6,080	5,207
Net Income to Common	6,644	6,037	8,881	7,472	6,080	5,207
Net Income Growth	44.21%	-32.03%	18.86%	22.90%	16.76%	1155.15%
Shares Outstanding (Basic)	27	27	20	20	20	2
Shares Outstanding (Diluted)	27	27	20	20	20	2
Shares Change (YoY)	7.90%	36.09%	0.12%	-1.09%	910.10%	-0.22%
EPS (Basic)	244.94	226.01	444.00	374.00	304.00	2604.00
EPS (Diluted)	243.01	222.00	444.00	374.00	301.00	2604.00
EPS Growth	33.89%	-50.00%	18.72%	24.25%	-88.44%	1157.97%
Free Cash Flow	3,362	-3,512	8,283	-959.62	-3,020	1,332
Free Cash Flow Per Share	122.75	-129.02	414.09	-48.03	-149.52	666.35
Operating Margin	61.93%	55.60%	61.19%	67.34%	68.87%	67.60%
Profit Margin	38.57%	40.05%	43.44%	47.03%	53.36%	48.51%
Free Cash Flow Margin	19.52%	-23.30%	40.51%	-6.04%	-26.51%	12.41%
Effective Tax Rate	18.66%	18.43%	17.84%	19.89%	22.18%	15.64%

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