Jeju Bank Cash Flow 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
Net Income	13,930	10,416	5,101	22,820	18,446
Depreciation & Amortization	25,701	25,042	23,779	22,497	12,320
Gain (Loss) on Sale of Investments	-6,365	-8,361	-898	-304	-78
Provision for Credit Losses	49,140	39,717	49,799	23,401	11,545
Change in Other Net Operating Assets	-373,708	-379,067	302,986	-390,237	-242,785
Other Operating Activities	-15,716	17,197	37,418	13,811	7,117
Operating Cash Flow	-307,018	-295,056	418,185	-308,012	-193,435
Capital Expenditures	-3,318	-2,460	-2,361	-5,491	-3,918
Sale of Property, Plant and Equipment	7,505	4	6,444	15	-
Investment in Securities	-213,446	31,755	-168,595	-85,352	-171,244
Purchase / Sale of Intangibles	-6,046	-3,882	-4,544	-22,858	-7,205
Other Investing Activities	-3,392	-3,382	-2,349	-11,680	-12,251
Investing Cash Flow	-218,697	22,035	-171,405	-125,366	-194,618
Long-Term Debt Issued	1,420,808	1,197,663	1,100,734	1,568,654	1,913,042
Long-Term Debt Repaid	-1,252,498	-1,076,055	-1,142,271	-1,606,522	-1,867,544
Net Debt Issued (Repaid)	168,310	121,608	-41,537	-37,868	45,498
Issuance of Common Stock	56,848	-	-	-	-
Total Dividends Paid	-9,014	-8,307	-6,188	-5,605	-5,132
Net Increase (Decrease) in Deposit Accounts	331,952	154,154	-195,432	422,400	330,485
Other Financing Activities	-2,992	-2,733	-2,632	-2,096	-2,023
Financing Cash Flow	545,104	264,722	-245,789	376,831	368,828
Foreign Exchange Rate Adjustments	-122	1,059	184	-34	478
Net Cash Flow	19,267	-7,240	1,175	-56,581	-18,747
Free Cash Flow	-310,336	-297,516	415,824	-313,503	-197,353
Free Cash Flow Margin	-196.88%	-203.46%	314.07%	-207.30%	-142.07%
Free Cash Flow Per Share	-5034.88	-4741.52	12942.42	-9757.70	-6142.56
Cash Interest Paid	184,205	182,757	149,656	84,456	56,950
Cash Income Tax Paid	651	3,007	3,821	6,635	4,449

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