Industrial Bank of Korea 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
Interest Income on Loans	14,850,280	16,003,580	15,814,615	10,986,528	7,692,531
Interest Income on Investments	3,000,308	3,033,730	2,662,925	1,697,627	1,064,014
Total Interest Income	17,850,588	19,037,310	18,477,540	12,684,155	8,756,545
Interest Paid on Deposits	2,002,863	2,161,666	2,227,591	1,005,321	534,603
Interest Paid on Borrowings	8,011,912	8,901,305	8,209,900	4,153,484	2,026,439
Total Interest Expense	10,014,775	11,062,971	10,437,491	5,158,805	2,561,042
Net Interest Income	7,835,813	7,974,339	8,040,049	7,525,350	6,195,503
Net Interest Income Growth (YoY)	-1.74%	-0.82%	6.84%	21.46%	9.04%
Income From Trading Activities	-7,561,678	-10,153,533	-6,754,899	-11,637,139	-5,791,592
Gain (Loss) on Sale of Assets	-51,193	-21,973	-4,750	-14,647	-3,849
Gain (Loss) on Sale of Investments	934,649	755,919	1,003,724	288,729	595,417
Gain (Loss) on Sale of Equity Investments	152,263	108,639	141,463	96,585	112,427
Other Non-Interest Income	9,301,025	11,537,185	8,260,914	13,378,278	7,413,980
Total Non-Interest Income	2,989,894	2,486,445	2,895,378	2,350,994	2,589,388
Non-Interest Income Growth (YoY)	20.25%	-14.12%	23.16%	-9.21%	14.36%
Revenues Before Loan Losses	10,825,707	10,460,784	10,935,427	9,876,344	8,784,891
Provision for Loan Losses	1,774,175	1,720,064	2,076,147	1,485,508	940,428
Revenue	9,051,532	8,740,720	8,859,280	8,390,836	7,844,463
Revenue Growth (YoY)	3.56%	-1.34%	5.58%	6.97%	22.24%
Salaries and Employee Benefits	1,875,161	1,641,163	1,559,081	1,577,968	1,650,932
Occupancy Expenses	337,672	258,562	239,562	225,092	218,015
Amortization of Goodwill & Intangibles	81,170	70,845	67,245	62,166	63,349
Selling, General & Administrative	691,996	642,667	628,798	584,602	530,500
Other Non-Interest Expense	2,216,077	2,386,559	2,706,767	2,175,473	1,955,290
Total Non-Interest Expense	5,327,059	5,172,137	5,361,178	4,758,361	4,518,043
EBT Excluding Unusual Items	3,724,473	3,568,583	3,498,102	3,632,475	3,326,420
Asset Writedown	-59,877	-1,080	-5,065	-28,270	-8,511
Pretax Income	3,664,596	3,567,503	3,493,037	3,604,205	3,317,909
Income Tax Expense	945,728	913,165	817,849	929,475	891,968
Earnings From Continuing Operations	2,718,868	2,654,338	2,675,188	2,674,730	2,425,941
Minority Interest in Earnings	-7,765	-9,814	-5,503	-7,034	-13,482
Net Income	2,711,103	2,644,524	2,669,685	2,667,696	2,412,459
Preferred Dividends & Other Adjustments	173,010	167,765	148,115	295,412	276,279
Net Income to Common	2,538,093	2,476,759	2,521,570	2,372,284	2,136,180
Net Income Growth	2.52%	-0.94%	0.07%	10.58%	57.09%
Basic Shares Outstanding	797	797	797	746	742
Diluted Shares Outstanding	797	797	797	746	742
Shares Change (YoY)	-	-	6.89%	0.48%	11.15%
EPS (Basic)	3182.86	3105.94	3162.14	3179.81	2877.21
EPS (Diluted)	3182.86	3105.94	3162.00	3179.81	2877.00
EPS Growth	2.48%	-1.77%	-0.56%	10.53%	45.52%
Dividend Per Share	1048.000	1065.000	984.000	960.000	780.000
Dividend Growth	-1.60%	8.23%	2.50%	23.08%	65.61%
Effective Tax Rate	25.81%	25.60%	23.41%	25.79%	26.88%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.