KOREIT 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	71,957	74,483	63,686	57,065	68,775	72,151
Total Interest Expense	35,680	36,795	75,425	19,426	16,167	14,858
Net Interest Income	36,277	37,688	-11,739	37,639	52,608	57,293
Commissions and Fees	133,016	146,834	120,971	141,598	144,852	141,609
Gain (Loss) on Sale of Investments	11,792	12,917	84,057	13,484	11,483	23,671
Other Revenue	6,124	2,104	1,372	711.41	391.05	-
Revenue Before Loan Losses	187,209	199,543	194,661	193,432	209,334	222,573
Provision for Loan Losses	55,483	35,691	58,507	30,851	20,474	45,249
Revenue	131,726	163,851	136,154	162,580	188,860	177,324
Revenue Growth (YoY)	-15.62%	20.34%	-16.25%	-13.91%	6.51%	-9.11%
Salaries & Employee Benefits	56,240	52,089	54,220	53,736	50,710	46,380
Cost of Services Provided	19,885	20,885	20,294	19,413	19,229	21,267
Other Operating Expenses	28,290	18,454	7,552	11,575	9,540	6,593
Total Operating Expenses	114,376	101,095	92,700	94,588	89,402	81,342
Operating Income	17,350	62,757	43,454	67,992	99,458	95,982
Earnings From Equity Investments	2,013	-60,192	-40,179	-21,341	92,311	24,041
Currency Exchange Gain (Loss)	-1.09	-1.09	-	139.65	-	-
EBT Excluding Unusual Items	19,591	2,434	3,365	45,844	192,315	118,629
Gain (Loss) on Sale of Investments	-20,872	-28,828	-12,201	-14,607	-4,355	-1,383
Pretax Income	-1,251	-26,417	-9,545	31,237	187,960	117,226
Income Tax Expense	1,736	-7,557	-1,886	6,912	47,965	32,078
Earnings From Continuing Ops.	-2,987	-18,860	-7,660	24,325	139,995	85,148
Minority Interest in Earnings	2,507	2,396	-785.31	-227.97	-654.14	-333.1
Net Income	-480.43	-16,464	-8,445	24,097	139,341	84,815
Net Income to Common	-480.43	-16,464	-8,445	24,097	139,341	84,815
Net Income Growth	-	-	-	-82.71%	64.29%	-21.50%
Shares Outstanding (Basic)	215	215	220	228	228	233
Shares Outstanding (Diluted)	215	215	220	228	228	233
Shares Change (YoY)	-0.01%	-2.21%	-3.30%	-0.08%	-2.12%	-3.13%
EPS (Basic)	-2.23	-76.42	-38.33	105.76	611.03	364.05
EPS (Diluted)	-2.23	-76.42	-38.33	105.76	611.00	364.00
EPS Growth	-	-	-	-82.69%	67.86%	-18.93%
Free Cash Flow	-101,231	176,101	-346,678	59,366	268,565	357,778
Free Cash Flow Per Share	-469.87	817.37	-1573.46	260.55	1177.70	1535.68
Dividend Per Share	70.000	70.000	-	-	-	-
Operating Margin	13.17%	38.30%	31.92%	41.82%	52.66%	54.13%
Profit Margin	-0.36%	-10.05%	-6.20%	14.82%	73.78%	47.83%
Free Cash Flow Margin	-76.85%	107.48%	-254.62%	36.52%	142.20%	201.77%
Effective Tax Rate	-	-	-	22.13%	25.52%	27.36%

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