BNK Financial Group 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 Income on Loans	-	6,241,100	6,138,209	4,423,438	3,264,002
Interest Income on Investments	-	787,904	613,663	418,204	347,617
Total Interest Income	-	7,029,004	6,751,872	4,841,642	3,611,619
Interest Paid on Deposits	-	3,013,289	3,016,787	1,366,297	639,470
Interest Paid on Borrowings	-	958,454	769,480	491,559	340,714
Total Interest Expense	-	3,971,743	3,786,267	1,857,856	980,184
Net Interest Income	2,953,100	3,057,261	2,965,605	2,983,786	2,631,435
Net Interest Income Growth (YoY)	-3.41%	3.09%	-0.61%	13.39%	18.19%
Gain (Loss) on Sale of Assets	-	17,902	-3,252	-2,100	1,610
Gain (Loss) on Sale of Investments	-	146,550	89,939	-80,761	130,879
Gain (Loss) on Sale of Equity Investments	-	101,019	72,703	20,558	31,304
Other Non-Interest Income	416,800	2,350,900	2,307,379	2,337,667	1,581,237
Total Non-Interest Income	416,800	2,848,675	2,687,309	2,424,377	1,885,187
Non-Interest Income Growth (YoY)	-85.37%	6.00%	10.85%	28.60%	2.26%
Revenues Before Loan Losses	3,369,900	5,905,936	5,652,914	5,408,164	4,516,621
Provision for Loan Losses	777,600	894,481	866,734	544,644	415,054
Revenue	2,592,300	5,011,455	4,786,180	4,863,520	4,101,568
Revenue Growth (YoY)	-48.27%	4.71%	-1.59%	18.58%	12.89%
Salaries and Employee Benefits	-	964,213	887,121	987,878	1,117,180
Occupancy Expenses	-	134,111	128,973	119,780	110,034
Federal Deposit Insurance	-	128,928	124,652	122,565	113,569
Amortization of Goodwill & Intangibles	-	92,898	90,296	79,911	74,870
Selling, General & Administrative	1,689,600	306,013	301,388	277,072	248,819
Other Non-Interest Expense	-	2,285,653	2,295,885	2,047,779	1,241,301
Total Non-Interest Expense	1,497,700	4,019,034	3,910,619	3,738,317	2,978,385
EBT Excluding Unusual Items	1,094,600	992,421	875,561	1,125,203	1,123,182
Asset Writedown	-	-635	-	-	-
Pretax Income	1,094,600	991,786	875,561	1,125,203	1,123,182
Income Tax Expense	258,400	241,809	196,656	292,052	288,933
Earnings From Continuing Operations	836,200	749,976	678,905	833,150	834,249
Minority Interest in Earnings	-21,200	-21,429	-39,125	-48,171	-43,240
Net Income	815,000	728,548	639,780	784,980	791,009
Preferred Dividends & Other Adjustments	-	32,575	25,678	30,188	31,395
Net Income to Common	815,000	695,973	614,102	754,792	759,614
Net Income Growth	11.87%	13.88%	-18.50%	-0.76%	52.32%
Basic Shares Outstanding	310	320	322	324	324
Diluted Shares Outstanding	310	320	322	324	324
Shares Change (YoY)	-3.06%	-0.70%	-0.63%	-	-0.10%
EPS (Basic)	2626.26	2174.00	1904.82	2326.51	2341.37
EPS (Diluted)	2626.26	2174.00	1904.82	2326.51	2341.37
EPS Growth	20.80%	14.13%	-18.13%	-0.64%	56.29%
Dividend Per Share	735.000	650.000	-	625.000	560.000
Dividend Growth	13.08%	-	-	11.61%	75.00%
Effective Tax Rate	23.61%	24.38%	22.46%	25.96%	25.72%

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