BNK Financial Group Income Statement

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

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	5,680,881	5,743,286	6,241,100	6,138,209	4,423,438	3,264,002
Interest Income on Investments	848,612	827,748	787,904	613,663	418,204	347,617
Total Interest Income	6,529,493	6,571,034	7,029,004	6,751,872	4,841,642	3,611,619
Interest Paid on Deposits	2,472,926	2,598,528	3,013,289	3,016,787	1,366,297	639,470
Interest Paid on Borrowings	950,920	920,905	958,454	769,480	491,559	340,714
Total Interest Expense	3,423,846	3,519,433	3,971,743	3,786,267	1,857,856	980,184
Net Interest Income	3,105,647	3,051,601	3,057,261	2,965,605	2,983,786	2,631,435
Net Interest Income Growth	3.01%	-0.18%	3.09%	-0.61%	13.39%	18.19%
Gain (Loss) on Sale of Assets	-339	101,124	17,902	-3,252	-2,100	1,610
Gain (Loss) on Sale of Investments	192,522	134,427	146,550	89,939	-80,761	130,879
Gain (Loss) on Sale of Equity Investments	84,979	103,633	101,019	72,703	20,558	31,304
Other Non-Interest Income	3,453,870	2,517,096	2,350,900	2,307,379	2,337,667	1,581,237
Total Non-Interest Income	4,069,085	3,159,131	2,848,675	2,687,309	2,424,377	1,885,187
Non-Interest Income Growth	27.11%	10.90%	6.00%	10.85%	28.60%	2.26%
Revenues Before Loan Losses	7,174,732	6,210,732	5,905,936	5,652,914	5,408,164	4,516,621
Provision for Loan Losses	740,049	783,164	894,481	866,734	544,644	415,054
Revenue	6,434,682	5,427,568	5,011,455	4,786,180	4,863,520	4,101,568
Revenue Growth	22.34%	8.30%	4.71%	-1.59%	18.58%	12.89%
Salaries and Employee Benefits	1,130,660	1,073,904	964,213	887,121	987,878	1,117,180
Occupancy Expenses	141,003	137,286	134,111	128,973	119,780	110,034
Federal Deposit Insurance	136,295	132,425	128,928	124,652	122,565	113,569
Amortization of Goodwill & Intangibles	85,067	84,224	92,898	90,296	79,911	74,870
Selling, General & Administrative	325,493	320,687	306,013	301,388	277,072	248,819
Other Non-Interest Expense	3,385,806	2,413,222	2,285,653	2,295,885	2,047,779	1,241,301
Total Non-Interest Expense	5,406,805	4,332,866	4,019,034	3,910,619	3,738,317	2,978,385
EBT Excluding Unusual Items	1,027,877	1,094,703	992,421	875,561	1,125,203	1,123,182
Asset Writedown	-	-	-635	-	-	-
Pretax Income	1,027,877	1,094,703	991,786	875,561	1,125,203	1,123,182
Income Tax Expense	255,652	258,545	241,809	196,656	292,052	288,933
Earnings From Continuing Operations	772,226	836,157	749,976	678,905	833,150	834,249
Minority Interest in Earnings	-21,220	-21,155	-21,429	-39,125	-48,171	-43,240
Net Income	751,006	815,002	728,548	639,780	784,980	791,009
Preferred Dividends & Other Adjustments	21,960	24,696	32,575	25,678	30,188	31,395
Net Income to Common	729,046	790,306	695,973	614,102	754,792	759,614
Net Income Growth	7.10%	13.55%	13.33%	-18.64%	-0.64%	56.14%
Basic Shares Outstanding	311	315	320	322	324	324
Diluted Shares Outstanding	311	315	320	322	324	324
Shares Change	-2.24%	-1.74%	-0.70%	-0.63%	-	-0.10%
EPS (Basic)	2344.67	2512.36	2174.00	1904.82	2326.51	2341.37
EPS (Diluted)	2344.67	2512.36	2174.00	1904.82	2326.51	2341.37
EPS Growth	9.55%	15.56%	14.13%	-18.13%	-0.64%	56.29%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	795.000	735.000	-	-	625.000	560.000
Dividend Growth	231.25%	-	-	-	11.61%	75.00%
Effective Tax Rate	24.87%	23.62%	24.38%	22.46%	25.96%	25.72%