JB Financial Group Balance Sheet

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
Cash & Equivalents	2,473,120	1,621,550	1,902,775	2,080,002	2,916,337
Investment Securities	7,514,740	213,721	570,793	825,191	191,379
Trading Asset Securities	3,948,800	10,070,143	9,062,074	7,505,003	6,749,538
Total Investments	11,463,540	10,283,864	9,632,867	8,330,194	6,940,917
Gross Loans	56,458,629	52,772,319	49,471,852	46,867,663	44,083,769
Allowance for Loan Losses	-	-666,615	-615,203	-494,687	-398,399
Other Adjustments to Gross Loans	-	-2,654	-244	2,167	2,864
Net Loans	56,458,629	52,103,050	48,856,405	46,375,143	43,688,234
Property, Plant & Equipment	1,323,903	1,475,287	1,735,629	1,746,176	1,974,432
Goodwill	-	82,840	74,241	73,215	62,791
Other Intangible Assets	225,085	100,883	97,456	78,929	71,710
Investments in Real Estate	44,528	45,260	47,974	48,065	37,562
Accrued Interest Receivable	-	331,601	303,325	233,045	166,490
Other Receivables	-	45,651	62,438	64,238	66,874
Other Current Assets	-	31,027	31,426	31,245	38,409
Long-Term Deferred Tax Assets	58,119	33,125	55,184	87,889	66,725
Other Long-Term Assets	1,076,920	544,789	579,125	664,585	354,487
Total Assets	73,123,844	66,721,914	63,403,970	59,828,165	56,395,637
Accrued Expenses	-	641,820	615,634	445,820	290,746
Interest Bearing Deposits	47,779,704	28,442,929	27,375,348	26,222,129	22,158,930
Non-Interest Bearing Deposits	-	15,697,707	15,582,776	15,635,709	17,890,991
Total Deposits	47,779,704	44,140,636	42,958,124	41,857,838	40,049,921
Short-Term Borrowings	205	370,250	212,923	11,942	194,078
Current Income Taxes Payable	107,061	100,241	88,370	125,015	116,076
Long-Term Debt	17,053,278	14,850,803	13,525,789	11,688,906	10,225,596
Long-Term Unearned Revenue	-	20,944	24,019	24,883	22,813
Long-Term Deferred Tax Liabilities	43,030	-	-	-	-
Other Long-Term Liabilities	1,965,394	872,415	863,161	910,748	1,169,720
Total Liabilities	66,948,672	60,997,109	58,288,020	55,065,152	52,068,950
Common Stock	984,914	984,914	984,914	984,914	984,914
Additional Paid-In Capital	708,911	703,361	704,368	704,916	704,916
Retained Earnings	3,809,473	3,424,543	2,983,233	2,583,338	2,140,759
Treasury Stock	-	-55,125	-45,047	-15,282	-15,282
Comprehensive Income & Other	411,317	522,885	375,295	319,180	342,108
Total Common Equity	5,914,615	5,580,578	5,002,763	4,577,066	4,157,415
Minority Interest	260,557	144,227	113,187	185,947	169,272
Shareholders' Equity	6,175,172	5,724,805	5,115,950	4,763,013	4,326,687
Total Liabilities & Equity	73,123,844	66,721,914	63,403,970	59,828,165	56,395,637
Total Debt	17,053,483	15,221,053	13,738,712	11,700,848	10,419,674
Net Cash (Debt)	-10,631,563	-3,509,060	-2,363,863	-1,345,843	-593,799
Net Cash Per Share	-56702.38	-18328.70	-12187.85	-6925.05	-3055.40
Filing Date Shares Outstanding	187.5	190.15	191.53	194.34	194.34
Total Common Shares Outstanding	-	190.15	191.53	194.34	194.34
Book Value Per Share	31545.01	29347.59	26119.52	23551.35	21392.03
Tangible Book Value	5,689,530	5,396,855	4,831,066	4,424,922	4,022,914
Tangible Book Value Per Share	30344.54	28381.41	25223.08	22768.49	20699.96

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