HB Investment Income Statement

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

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Total Interest Expense	70.91	81.35	70.78	43.37	33.35
Net Interest Income	-70.91	-81.35	-70.78	-43.37	-33.35
Commissions and Fees	13,255	11,306	16,712	7,775	5,911
Gain (Loss) on Sale of Investments	4,146	3,849	3,805	8,153	5,517
Other Revenue	0	0	0	0	-0
Revenue Before Loan Losses	17,330	15,073	20,446	15,885	11,394
Revenue	17,330	15,073	20,446	15,885	11,394
Revenue Growth (YoY)	14.97%	-26.28%	28.71%	39.42%	6.15%
Salaries & Employee Benefits	4,632	4,843	5,611	2,809	2,232
Cost of Services Provided	1,927	1,400	1,886	2,065	1,096
Other Operating Expenses	100.87	99.78	82.71	64.49	45.04
Total Operating Expenses	7,032	6,692	7,935	5,188	3,547
Operating Income	10,298	8,380	12,511	10,697	7,848
EBT Excluding Unusual Items	11,039	9,340	12,786	10,778	7,910
Gain (Loss) on Sale of Investments	-3,111	-1,967	-1,976	-1,450	-108.49
Pretax Income	7,936	7,400	10,810	9,327	7,813
Income Tax Expense	1,796	1,364	1,929	1,855	1,733
Net Income	6,140	6,037	8,881	7,472	6,080
Net Income to Common	6,140	6,037	8,881	7,472	6,080
Net Income Growth	1.72%	-32.03%	18.86%	22.90%	16.76%
Shares Outstanding (Basic)	27	27	20	20	20
Shares Outstanding (Diluted)	27	27	20	20	20
Shares Change (YoY)	1.04%	35.94%	0.12%	-1.09%	910.10%
EPS (Basic)	225.98	226.00	444.00	374.00	304.00
EPS (Diluted)	223.00	222.00	444.00	374.00	301.00
EPS Growth	0.45%	-50.00%	18.72%	24.25%	-88.44%
Free Cash Flow	3,649	-3,512	8,283	-959.62	-3,020
Free Cash Flow Per Share	132.82	-129.16	414.09	-48.03	-149.52
Operating Margin	59.42%	55.60%	61.19%	67.34%	68.87%
Profit Margin	35.43%	40.05%	43.44%	47.03%	53.36%
Free Cash Flow Margin	21.06%	-23.30%	40.51%	-6.04%	-26.51%
Effective Tax Rate	22.63%	18.43%	17.84%	19.89%	22.18%