JB Financial Group Balance Sheet

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
Cash & Equivalents	2,282,753	1,621,550	1,902,775	2,080,002	2,916,337	2,781,087
Investment Securities	299,749	213,721	570,793	825,191	191,379	715,086
Trading Asset Securities	10,606,606	10,070,143	9,062,074	7,505,003	6,749,538	6,192,864
Total Investments	10,906,355	10,283,864	9,632,867	8,330,194	6,940,917	6,907,950
Gross Loans	56,037,229	52,772,319	49,471,852	46,867,663	44,083,769	41,118,500
Allowance for Loan Losses	-726,840	-666,615	-615,203	-494,687	-398,399	-366,284
Other Adjustments to Gross Loans	-1,714	-2,654	-244	2,167	2,864	3,632
Net Loans	55,308,675	52,103,050	48,856,405	46,375,143	43,688,234	40,755,848
Property, Plant & Equipment	1,326,355	1,475,287	1,735,629	1,746,176	1,974,432	2,114,166
Goodwill	79,538	82,840	74,241	73,215	62,791	61,944
Other Intangible Assets	110,329	100,883	97,456	78,929	71,710	68,247
Investments in Real Estate	44,643	45,260	47,974	48,065	37,562	37,092
Accrued Interest Receivable	323,717	331,601	303,325	233,045	166,490	161,476
Other Receivables	107,929	45,651	62,438	64,238	66,874	58,382
Other Current Assets	54,765	31,027	31,426	31,245	38,409	35,879
Long-Term Deferred Tax Assets	41,813	33,125	55,184	87,889	66,725	57,690
Other Long-Term Assets	640,333	544,789	579,125	664,585	354,487	317,335
Total Assets	71,254,396	66,721,914	63,403,970	59,828,165	56,395,637	53,375,463
Accrued Expenses	594,568	641,820	615,634	445,820	290,746	292,438
Interest Bearing Deposits	30,665,075	28,442,929	27,375,348	26,222,129	22,158,930	20,682,506
Non-Interest Bearing Deposits	16,577,657	15,697,707	15,582,776	15,635,709	17,890,991	17,439,840
Total Deposits	47,242,732	44,140,636	42,958,124	41,857,838	40,049,921	38,122,346
Short-Term Borrowings	211,601	370,250	212,923	11,942	194,078	81,431
Current Income Taxes Payable	94,513	100,241	88,370	125,015	116,076	75,815
Long-Term Debt	16,035,640	14,850,803	13,525,789	11,688,906	10,225,596	9,701,471
Long-Term Unearned Revenue	17,747	20,944	24,019	24,883	22,813	18,563
Long-Term Deferred Tax Liabilities	24,691	-	-	-	-	-
Other Long-Term Liabilities	1,017,800	872,415	863,161	910,748	1,169,720	1,054,539
Total Liabilities	65,239,292	60,997,109	58,288,020	55,065,152	52,068,950	49,346,603
Common Stock	984,914	984,914	984,914	984,914	984,914	984,914
Additional Paid-In Capital	709,318	703,361	704,368	704,916	704,916	704,916
Retained Earnings	3,738,838	3,424,543	2,983,233	2,583,338	2,140,759	1,731,919
Treasury Stock	-64,972	-55,125	-45,047	-15,282	-15,282	-15,282
Comprehensive Income & Other	494,521	522,885	375,295	319,180	342,108	349,856
Total Common Equity	5,862,619	5,580,578	5,002,763	4,577,066	4,157,415	3,756,323
Minority Interest	152,485	144,227	113,187	185,947	169,272	272,537
Shareholders' Equity	6,015,104	5,724,805	5,115,950	4,763,013	4,326,687	4,028,860
Total Liabilities & Equity	71,254,396	66,721,914	63,403,970	59,828,165	56,395,637	53,375,463
Total Debt	16,247,241	15,221,053	13,738,712	11,700,848	10,419,674	9,782,902
Net Cash (Debt)	-3,346,182	-3,509,060	-2,363,863	-1,345,843	-593,799	-127,151
Net Cash Per Share	-17636.23	-18328.70	-12187.85	-6925.05	-3055.40	-654.26
Filing Date Shares Outstanding	187.5	190.15	191.53	194.34	194.34	194.34
Total Common Shares Outstanding	187.5	190.15	191.53	194.34	194.34	194.34
Book Value Per Share	31267.69	29347.59	26119.52	23551.35	21392.03	19328.21
Tangible Book Value	5,672,752	5,396,855	4,831,066	4,424,922	4,022,914	3,626,132
Tangible Book Value Per Share	30255.06	28381.41	25223.08	22768.49	20699.96	18658.31

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