JB 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	3,571,850	3,395,602	3,194,817	2,382,276	1,791,528
Interest Income on Investments	-	283,021	215,717	164,105	121,239
Total Interest Income	3,571,850	3,678,623	3,410,534	2,546,381	1,912,767
Interest Paid on Deposits	1,526,918	1,120,225	1,077,405	518,722	258,949
Interest Paid on Borrowings	-	539,584	411,930	267,377	188,126
Total Interest Expense	1,526,918	1,659,809	1,489,335	786,099	447,075
Net Interest Income	2,044,932	2,018,814	1,921,199	1,760,282	1,465,692
Net Interest Income Growth (YoY)	1.29%	5.08%	9.14%	20.10%	15.26%
Trust Income	-	19,347	12,973	14,930	14,256
Income From Trading Activities	-	-29,503	-36,305	-20,434	-3,146
Gain (Loss) on Sale of Assets	-	302	-931	-649	491
Gain (Loss) on Sale of Investments	313,754	137,622	60,955	14,590	48,392
Gain (Loss) on Sale of Equity Investments	-	14	80	6	4,615
Other Non-Interest Income	94,722	730,407	682,001	587,954	546,667
Total Non-Interest Income	408,476	887,252	738,199	619,164	626,822
Non-Interest Income Growth (YoY)	-53.96%	20.19%	19.23%	-1.22%	9.43%
Revenues Before Loan Losses	2,453,408	2,906,066	2,659,398	2,379,446	2,092,514
Provision for Loan Losses	478,979	478,609	442,457	256,532	135,886
Revenue	1,974,429	2,427,457	2,216,941	2,122,914	1,956,628
Revenue Growth (YoY)	-18.66%	9.50%	4.43%	8.50%	18.46%
Salaries and Employee Benefits	-	568,119	525,095	487,079	496,132
Occupancy Expenses	-	67,220	71,587	69,488	67,091
Federal Deposit Insurance	-	50,300	47,946	46,687	42,035
Amortization of Goodwill & Intangibles	-	35,213	28,959	26,843	32,940
Selling, General & Administrative	908,189	134,042	124,038	118,813	113,050
Other Non-Interest Expense	113,926	644,161	605,620	532,992	482,123
Total Non-Interest Expense	1,009,725	1,519,556	1,417,441	1,290,715	1,260,214
EBT Excluding Unusual Items	964,704	907,901	799,500	832,199	696,414
Pretax Income	964,704	907,901	799,500	832,199	696,414
Income Tax Expense	234,664	214,910	195,576	213,942	171,002
Earnings From Continuing Operations	730,040	692,991	603,924	618,257	525,412
Minority Interest in Earnings	-19,654	-15,474	-17,943	-17,237	-18,850
Net Income	710,386	677,517	585,981	601,020	506,562
Preferred Dividends & Other Adjustments	-	19,184	22,251	18,723	18,723
Net Income to Common	710,386	658,333	563,730	582,298	487,840
Net Income Growth	4.85%	15.62%	-2.50%	18.65%	39.35%
Basic Shares Outstanding	187	191	194	194	194
Diluted Shares Outstanding	187	191	194	194	194
Shares Change (YoY)	-2.07%	-1.29%	-0.20%	-	-
EPS (Basic)	3788.77	3438.64	2906.53	2996.22	2510.18
EPS (Diluted)	3788.77	3438.64	2906.53	2996.00	2510.18
EPS Growth	10.18%	18.31%	-2.99%	19.35%	41.49%
Dividend Per Share	1140.000	995.000	-	-	-
Dividend Growth	14.57%	-	-	-	-
Effective Tax Rate	24.32%	23.67%	24.46%	25.71%	24.55%

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