iM 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	214,876	387,839	410,524	503,068
Depreciation & Amortization	141,478	139,777	128,664	119,857
Gain (Loss) on Sale of Assets	-	-	-	-4,470
Gain (Loss) on Sale of Investments	-36,643	-191,771	48,662	-109,924
Total Asset Writedown	-	-	-	-3.54
Provision for Credit Losses	734,986	556,278	351,476	168,161
Change in Trading Asset Securities	3,503,103	888,983	-1,195,180	1,005,866
Change in Other Net Operating Assets	-4,189,653	-3,669,194	-5,306,126	-4,293,636
Other Operating Activities	179,853	388,776	238,779	238,174
Operating Cash Flow	535,473	-1,505,919	-5,319,807	-2,370,834
Capital Expenditures	-21,738	-30,916	-48,684	-69,062
Sale of Property, Plant and Equipment	1,064	2,805	13,511	20,637
Cash Acquisitions	500.57	-13,800	51.92	-34,418
Investment in Securities	-953,327	-288,814	-102,682	-1,232,028
Income (Loss) Equity Investments	-12,527	-6,606	3,394	2,073
Purchase / Sale of Intangibles	-61,435	-52,640	-54,573	-70,318
Other Investing Activities	-81,955	-21,265	-22,451	11,538
Investing Cash Flow	-1,116,891	-404,631	-214,828	-1,373,650
Long-Term Debt Issued	15,354,396	6,007,014	7,207,382	3,344,228
Long-Term Debt Repaid	-17,981,200	-6,427,407	-3,685,251	-2,670,533
Net Debt Issued (Repaid)	-2,626,804	-420,393	3,522,131	673,695
Repurchase of Common Stock	-	-19,979	-	-
Total Dividends Paid	-119,912	-135,949	-131,822	-84,202
Net Increase (Decrease) in Deposit Accounts	2,366,598	3,455,861	2,486,212	3,541,480
Other Financing Activities	-74,670	-515,652	-33,384	-51,150
Financing Cash Flow	-454,788	2,363,888	5,843,137	4,079,822
Foreign Exchange Rate Adjustments	58,985	-6,164	-2,484	12,818
Net Cash Flow	-977,221	447,175	306,018	348,156
Free Cash Flow	513,735	-1,536,835	-5,368,491	-2,439,897
Free Cash Flow Margin	20.16%	-55.56%	-239.76%	-71.95%
Free Cash Flow Per Share	3087.49	-9158.86	-31738.83	-14424.81
Cash Interest Paid	2,237,271	1,902,332	923,562	543,813
Cash Income Tax Paid	46,785	194,606	201,216	148,341

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