Samsung Card 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	93,003	49,469	51,002	25,647	12,851	25,660
Net Interest Income	39,903	49,469	51,002	25,647	12,851	25,660
Commissions and Fees	186,331	158,467	149,181	145,874	180,195	177,351
Gain (Loss) on Sale of Investments	4,699	3,890	1,820	-0	7,764	165.35
Other Revenue	290,103	267,146	244,402	231,479	264,873	282,631
Revenue Before Loan Losses	552,133	478,972	446,404	402,999	465,683	485,807
Provision for Loan Losses	755,012	690,366	719,891	442,288	409,587	490,234
Revenue	-202,879	-211,394	-273,487	-39,289	56,096	-4,426
Salaries & Employee Benefits	447,027	459,486	432,978	432,090	420,881	363,148
Cost of Services Provided	1,479,815	1,404,702	1,427,949	1,436,134	1,467,788	1,463,139
Other Operating Expenses	-361,125	-357,507	-58,180	-143,688	-147,456	-10,996
Total Operating Expenses	1,613,041	1,546,844	1,842,388	1,759,631	1,777,177	1,876,953
Operating Income	-1,815,920	-1,758,238	-2,115,875	-1,798,921	-1,721,081	-1,881,379
Earnings From Equity Investments	2,635	2,130	1,089	4,453	14.88	33.1
Currency Exchange Gain (Loss)	-219,367	-339,997	-35,485	-114,305	-136,549	127,601
EBT Excluding Unusual Items	840,258	890,672	813,897	854,940	749,548	534,980
Gain (Loss) on Sale of Investments	-1,821	-2,081	-1,974	-1,701	-	-68.98
Pretax Income	837,856	888,010	811,110	850,754	746,950	532,495
Income Tax Expense	207,409	223,416	201,671	228,500	195,892	133,698
Net Income	630,446	664,593	609,439	622,254	551,057	398,796
Net Income to Common	630,446	664,593	609,439	622,254	551,057	398,796
Net Income Growth	-11.31%	9.05%	-2.06%	12.92%	38.18%	15.89%
Shares Outstanding (Basic)	107	107	107	107	107	107
Shares Outstanding (Diluted)	107	107	107	107	107	107
EPS (Basic)	5907.99	6227.99	5711.13	5831.23	5164.03	3737.17
EPS (Diluted)	5907.99	6227.99	5711.00	5831.00	5164.00	3737.00
EPS Growth	-11.31%	9.05%	-2.06%	12.92%	38.19%	15.88%
Free Cash Flow	-2,850,302	-843,969	1,323,682	-1,267,882	-2,597,054	-781,934
Free Cash Flow Per Share	-26710.55	-7908.94	12404.40	-11881.49	-24337.34	-7327.60
Dividend Per Share	2800.000	2800.000	2500.000	2500.000	2300.000	1800.000
Dividend Growth	12.00%	12.00%	-	8.70%	27.78%	12.50%
Operating Margin	-	-	-	-	-3068.10%	-
Profit Margin	-	-	-	-	982.35%	-
Free Cash Flow Margin	-	-	-	-	-4629.67%	-
Effective Tax Rate	24.75%	25.16%	24.86%	26.86%	26.23%	25.11%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.