JB Financial Group Income Statement

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

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	3,351,986	3,395,602	3,194,817	2,382,276	1,791,528	1,706,833
Interest Income on Investments	324,554	283,021	215,717	164,105	121,239	118,352
Total Interest Income	3,676,540	3,678,623	3,410,534	2,546,381	1,912,767	1,825,185
Interest Paid on Deposits	1,017,562	1,120,225	1,077,405	518,722	258,949	353,731
Interest Paid on Borrowings	549,930	539,584	411,930	267,377	188,126	199,812
Total Interest Expense	1,567,492	1,659,809	1,489,335	786,099	447,075	553,543
Net Interest Income	2,109,048	2,018,814	1,921,199	1,760,282	1,465,692	1,271,642
Net Interest Income Growth (YoY)	5.14%	5.08%	9.14%	20.10%	15.26%	2.56%
Trust Income	21,389	19,347	12,973	14,930	14,256	13,202
Income From Trading Activities	-51,179	-29,503	-36,305	-20,434	-3,146	-16,397
Gain (Loss) on Sale of Assets	48	302	-931	-649	491	434
Gain (Loss) on Sale of Investments	158,011	137,622	60,955	14,590	48,392	33,568
Gain (Loss) on Sale of Equity Investments	3,270	14	80	6	4,615	129
Other Non-Interest Income	647,350	730,407	682,001	587,954	546,667	527,373
Total Non-Interest Income	819,903	887,252	738,199	619,164	626,822	572,783
Non-Interest Income Growth (YoY)	-5.04%	20.19%	19.23%	-1.22%	9.43%	13.22%
Revenues Before Loan Losses	2,928,951	2,906,066	2,659,398	2,379,446	2,092,514	1,844,425
Provision for Loan Losses	473,312	478,609	442,457	256,532	135,886	192,704
Revenue	2,455,639	2,427,457	2,216,941	2,122,914	1,956,628	1,651,721
Revenue Growth (YoY)	3.14%	9.50%	4.43%	8.50%	18.46%	3.43%
Salaries and Employee Benefits	572,848	568,119	525,095	487,079	496,132	456,748
Occupancy Expenses	67,455	67,220	71,587	69,488	67,091	68,409
Federal Deposit Insurance	53,244	50,300	47,946	46,687	42,035	41,011
Amortization of Goodwill & Intangibles	40,203	35,213	28,959	26,843	32,940	33,682
Selling, General & Administrative	144,370	134,042	124,038	118,813	113,050	113,140
Other Non-Interest Expense	616,235	644,161	605,620	532,992	482,123	459,426
Total Non-Interest Expense	1,520,787	1,519,556	1,417,441	1,290,715	1,260,214	1,187,740
EBT Excluding Unusual Items	934,852	907,901	799,500	832,199	696,414	463,981
Pretax Income	934,852	907,901	799,500	832,199	696,414	463,981
Income Tax Expense	222,335	214,910	195,576	213,942	171,002	73,132
Earnings From Continuing Operations	712,517	692,991	603,924	618,257	525,412	390,849
Minority Interest in Earnings	-19,422	-15,474	-17,943	-17,237	-18,850	-27,337
Net Income	693,095	677,517	585,981	601,020	506,562	363,512
Preferred Dividends & Other Adjustments	25,236	19,184	22,251	18,723	18,723	18,723
Net Income to Common	667,859	658,333	563,730	582,298	487,840	344,790
Net Income Growth	5.70%	15.62%	-2.50%	18.65%	39.35%	6.31%
Basic Shares Outstanding	190	191	194	194	194	194
Diluted Shares Outstanding	190	191	194	194	194	194
Shares Change (YoY)	-1.18%	-1.29%	-0.20%	-	-	0.00%
EPS (Basic)	3519.98	3438.64	2906.53	2996.22	2510.18	1774.12
EPS (Diluted)	3519.98	3438.64	2906.53	2996.00	2510.18	1774.12
EPS Growth	6.13%	18.31%	-2.99%	19.35%	41.49%	8.13%
Dividend Per Share	1160.000	995.000	-	-	-	-
Effective Tax Rate	23.78%	23.67%	24.46%	25.71%	24.55%	15.76%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.