Samsung Card 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 and Dividend Income	2,039,917	1,961,432	51,002	25,647	12,851
Total Interest Expense	597,010	513,483	-	-	-
Net Interest Income	1,442,907	1,447,949	51,002	25,647	12,851
Commissions and Fees	358,582	325,447	149,181	145,874	180,195
Gain (Loss) on Sale of Investments	2,394	3,890	1,820	-0	7,764
Other Revenue	304,096	267,146	244,402	231,479	264,873
Revenue Before Loan Losses	3,563,178	3,471,325	446,404	402,999	465,683
Provision for Loan Losses	721,491	690,366	719,891	442,288	409,587
Revenue	2,841,687	2,780,959	-273,487	-39,289	56,096
Revenue Growth (YoY)	2.18%	-	-	-	-
Salaries & Employee Benefits	445,276	459,486	432,978	432,090	420,881
Cost of Services Provided	1,355,320	1,259,073	1,427,949	1,436,134	1,467,788
Other Operating Expenses	-56,877	-323,263	-58,180	-143,688	-147,456
Total Operating Expenses	1,910,143	1,553,459	1,842,388	1,759,631	1,777,177
Operating Income	931,544	1,227,500	-2,115,875	-1,798,921	-1,721,081
Earnings From Equity Investments	791	2,131	1,089	4,453	14.88
Currency Exchange Gain (Loss)	262	-339,998	-35,485	-114,305	-136,549
EBT Excluding Unusual Items	861,316	890,091	813,897	854,940	749,548
Gain (Loss) on Sale of Investments	-3,299	-2,081	-1,974	-1,701	-
Pretax Income	858,017	888,010	811,110	850,754	746,950
Income Tax Expense	212,094	223,417	201,671	228,500	195,892
Net Income	645,923	664,593	609,439	622,254	551,057
Net Income to Common	645,923	664,593	609,439	622,254	551,057
Net Income Growth	-2.81%	9.05%	-2.06%	12.92%	38.18%
Shares Outstanding (Basic)	107	107	107	107	107
Shares Outstanding (Diluted)	107	107	107	107	107
Shares Change (YoY)	0.00%	-	-	-	-
EPS (Basic)	6053.00	6228.00	5711.13	5831.23	5164.03
EPS (Diluted)	6053.00	6228.00	5711.00	5831.00	5164.00
EPS Growth	-2.81%	9.05%	-2.06%	12.92%	38.19%
Free Cash Flow	-1,587,081	-843,968	1,323,682	-1,267,882	-2,597,054
Free Cash Flow Per Share	-14872.67	-7908.95	12404.40	-11881.49	-24337.34
Dividend Per Share	-	-	2500.000	2500.000	2300.000
Dividend Growth	-	-	-	8.70%	27.78%
Operating Margin	32.78%	44.14%	-	-	-3068.10%
Profit Margin	22.73%	23.90%	-	-	982.35%
Free Cash Flow Margin	-55.85%	-30.35%	-	-	-4629.67%
Effective Tax Rate	24.72%	25.16%	24.86%	26.86%	26.23%

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