BNK Financial Group Cash Flow 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
Net Income	815,002	728,548	639,780	784,980	791,009
Depreciation & Amortization	208,061	213,627	205,382	187,463	173,973
Gain (Loss) on Sale of Investments	-364,564	-39,142	-164,084	130,615	-6,776
Provision for Credit Losses	776,198	887,973	868,112	548,471	397,231
Change in Trading Asset Securities	-1,488,098	-1,219,384	-2,242,887	874,171	-922,477
Change in Other Net Operating Assets	-8,020,057	-3,302,703	-5,339,846	-7,826,312	-11,770,376
Other Operating Activities	490,490	462,921	829,734	729,914	514,354
Operating Cash Flow	-7,655,350	-2,350,700	-5,257,978	-4,571,753	-10,851,161
Capital Expenditures	-93,585	-83,412	-116,991	-97,996	-101,437
Sale of Property, Plant and Equipment	467,041	22,407	5,152	8,856	35,202
Investment in Securities	-90,267	-1,241,616	-2,156,012	-853,203	-1,262,605
Income (Loss) Equity Investments	-72,384	-82,541	-54,170	-1,053	-28,098
Purchase / Sale of Intangibles	-80,895	-86,269	-66,505	-79,227	-66,562
Other Investing Activities	15,427	-1,199	-4,261	5,932	16,042
Investing Cash Flow	217,721	-1,390,089	-2,338,618	-1,015,639	-1,379,359
Long-Term Debt Issued	32,494,365	44,565,809	40,982,249	27,067,998	26,634,522
Long-Term Debt Repaid	-30,319,114	-41,233,384	-39,244,366	-28,527,559	-23,698,346
Net Debt Issued (Repaid)	2,175,251	3,332,425	1,737,883	-1,459,561	2,936,176
Repurchase of Common Stock	-100,000	-32,996	-16,000	-	-
Total Dividends Paid	-301,911	-250,147	-299,781	-260,040	-178,454
Net Increase (Decrease) in Deposit Accounts	5,631,551	1,015,124	5,252,176	8,180,995	10,193,576
Other Financing Activities	961,212	103,575	-6,500	71,537	-66,646
Financing Cash Flow	8,366,102	4,167,981	6,667,779	6,532,932	12,884,653
Foreign Exchange Rate Adjustments	-5,993	54,502	4,545	1,944	6,078
Net Cash Flow	922,481	481,694	-924,272	947,484	660,211
Free Cash Flow	-7,748,935	-2,434,112	-5,374,970	-4,669,749	-10,952,598
Free Cash Flow Margin	-142.77%	-48.57%	-112.30%	-96.02%	-267.03%
Free Cash Flow Per Share	-23883.76	-7263.44	-16672.08	-14393.63	-33759.34
Cash Interest Paid	3,601,273	3,918,918	3,168,171	1,444,001	1,008,945
Cash Income Tax Paid	196,056	159,465	306,128	296,769	202,165

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