Industrial Bank of Korea 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	2,711,103	2,644,524	2,669,685	2,667,696	2,412,459
Depreciation & Amortization	408,512	315,144	293,165	271,388	265,247
Gain (Loss) on Sale of Assets	-2,004	-1,657	-27,968	-587	-628
Gain (Loss) on Sale of Investments	-773,720	-210,893	-595,910	336,273	-178,255
Total Asset Writedown	59,877	1,080	5,065	28,270	8,511
Provision for Credit Losses	1,774,717	1,715,815	2,065,870	1,478,278	937,197
Change in Trading Asset Securities	219,568	-1,247,789	-1,455,882	2,733,494	-1,209,581
Change in Other Net Operating Assets	-17,466,381	-27,695,878	-5,259,571	-19,258,987	-19,919,024
Other Operating Activities	271,040	626,565	1,115,469	148,467	245,435
Operating Cash Flow	-12,929,387	-23,928,175	-1,315,108	-11,655,948	-17,545,179
Capital Expenditures	-186,051	-322,866	-192,407	-157,943	-151,782
Sale of Property, Plant and Equipment	4,020	5,992	30,169	8,519	6,417
Investment in Securities	-5,800,954	-3,726,252	-369,564	-6,342,444	-10,445,719
Income (Loss) Equity Investments	-132,099	-75,086	-125,031	-60,240	-106,540
Purchase / Sale of Intangibles	-196,971	-125,751	-103,978	-62,862	-50,345
Other Investing Activities	124	-	-	307	-
Investing Cash Flow	-6,179,832	-4,168,877	-635,780	-6,554,423	-10,641,429
Long-Term Debt Issued	228,414,822	224,547,188	213,485,769	211,071,266	150,653,797
Long-Term Debt Repaid	-212,729,511	-210,741,337	-206,168,447	-181,607,236	-133,086,979
Net Debt Issued (Repaid)	15,685,311	13,805,851	7,317,322	29,464,030	17,566,818
Issuance of Common Stock	-	-	-	-	48,920
Total Dividends Paid	-1,029,144	-956,007	-912,760	-753,712	-497,976
Net Increase (Decrease) in Deposit Accounts	9,907,241	4,210,743	-1,004,842	-3,196,454	17,310,432
Other Financing Activities	-	-	-	-57	-
Financing Cash Flow	24,563,408	17,060,587	5,399,720	25,513,807	34,428,194
Foreign Exchange Rate Adjustments	194,296	819,806	11,260	21,817	331,930
Net Cash Flow	5,648,485	-10,216,659	3,460,092	7,325,253	6,573,516
Free Cash Flow	-13,115,438	-24,251,041	-1,507,515	-11,813,891	-17,696,961
Free Cash Flow Margin	-144.90%	-277.45%	-17.02%	-140.80%	-225.60%
Free Cash Flow Per Share	-16447.22	-30411.66	-1890.48	-15835.32	-23835.96
Cash Interest Paid	9,980,063	10,869,411	9,309,330	5,030,202	2,716,219
Cash Income Tax Paid	753,893	924,349	1,202,009	958,123	487,380

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