KB Financial Group Cash Flow Statement

Financials in millions KRW. Fiscal year is January - December.

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Income	5,078,221	4,594,835	4,152,992	4,409,543
Depreciation & Amortization	623,699	574,505	629,791	790,615
Other Amortization	292,596	291,422	249,050	216,073
Gain (Loss) on Sale of Assets	145,164	131,270	-251,858	1,974
Gain (Loss) on Sale of Investments	301,585	-1,484,289	1,125,267	37,294
Provision for Credit Losses	2,044,286	3,146,409	1,847,775	1,185,133
Change in Trading Asset Securities	-700,633	-6,247,689	3,048,875	-6,149,781
Change in Income Taxes	289,846	-892,974	229,283	-91,692
Change in Other Net Operating Assets	-20,691,266	-3,412,017	-16,579,642	-38,417,956
Other Operating Activities	-7,714,654	-4,986,767	-5,990,995	3,285,913
Operating Cash Flow	-19,800,870	-8,086,991	-11,805,555	-34,523,312
Capital Expenditures	-337,178	-350,138	-296,937	-286,613
Sale of Property, Plant and Equipment	18,616	8,177	31,181	7,016
Investment in Securities	-3,060,777	-2,590,161	-20,562,106	-3,901,520
Income (Loss) Equity Investments	16,884	-33,110	28,758	-93,526
Divestitures	88,528	1,297,001	932,428	374,992
Purchase / Sale of Intangibles	-268,658	-325,068	-194,881	-183,493
Other Investing Activities	-441,778	-544,374	-187,717	75,532
Investing Cash Flow	-3,825,055	-3,519,492	-19,635,879	-3,856,014
Long-Term Debt Issued	86,031,647	83,777,490	122,276,963	129,088,621
Long-Term Debt Repaid	-85,517,923	-86,141,393	-106,888,783	-117,762,833
Net Debt Issued (Repaid)	513,724	-2,363,903	15,388,180	11,325,788
Issuance of Common Stock	399,059	598,552	1,596,030	1,142,233
Repurchase of Common Stock	-1,170,000	-571,745	-	-
Common Dividends Paid	-1,686,778	-1,336,815	-1,564,152	-1,053,416
Total Dividends Paid	-1,686,778	-1,336,815	-1,564,152	-1,053,416
Net Increase (Decrease) in Deposit Accounts	23,821,056	12,195,807	16,566,047	32,497,922
Other Financing Activities	-39,842	2,434,842	-240,234	-593,207
Financing Cash Flow	21,837,219	10,956,738	31,745,871	43,319,320
Foreign Exchange Rate Adjustments	570,985	-58,465	197,199	241,544
Net Cash Flow	-1,217,721	-708,210	501,636	5,181,538
Free Cash Flow	-20,138,048	-8,437,129	-12,102,492	-34,809,925
Free Cash Flow Margin	-134.18%	-64.74%	-100.14%	-261.76%
Free Cash Flow Per Share	-52529.30	-21450.50	-30336.54	-87334.95
Cash Interest Paid	15,354,968	13,119,057	6,356,269	4,062,469
Cash Income Tax Paid	1,158,212	2,189,111	1,524,025	1,586,750

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