JB 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	677,517	585,981	601,020	506,562
Depreciation & Amortization	96,221	94,192	90,511	94,036
Gain (Loss) on Sale of Assets	-68,314	-831	-74	-5,600
Gain (Loss) on Sale of Investments	-77,837	-27,125	-6,304	-36,784
Total Asset Writedown	11	29	-133	-318
Provision for Credit Losses	478,597	442,428	256,665	135,886
Change in Trading Asset Securities	-626,850	-663,322	-182,653	-87,609
Change in Other Net Operating Assets	-2,938,978	-2,102,647	-4,001,180	-2,490,555
Other Operating Activities	315,578	274,093	285,849	232,712
Operating Cash Flow	-2,145,662	-1,400,163	-2,961,272	-1,648,368
Capital Expenditures	-75,098	-376,296	-73,436	-52,506
Sale of Property, Plant and Equipment	4,321	96	199	4,712
Cash Acquisitions	-	-	-31,446	-
Investment in Securities	-561,571	-836,170	-650,104	-475,873
Income (Loss) Equity Investments	-1,607	-2,961	-4,973	3,302
Purchase / Sale of Intangibles	-34,870	-55,815	-37,903	-27,362
Other Investing Activities	3,398	-420	2,417	-638
Investing Cash Flow	-663,820	-1,268,605	-790,273	-551,667
Long-Term Debt Issued	42,682,110	10,888,488	18,263,143	18,171,444
Long-Term Debt Repaid	-41,159,356	-9,127,092	-17,088,168	-17,543,823
Net Debt Issued (Repaid)	1,522,754	1,761,396	1,174,975	627,621
Issuance of Common Stock	4,985	-	-	-
Repurchase of Common Stock	-29,987	-29,665	-	-
Total Dividends Paid	-220,359	-188,825	-163,676	-91,408
Net Increase (Decrease) in Deposit Accounts	1,182,512	1,100,285	1,807,917	1,927,575
Other Financing Activities	721	382	-7,451	-93,587
Financing Cash Flow	2,460,626	2,643,573	2,811,765	2,370,201
Foreign Exchange Rate Adjustments	60,959	-56,878	121,857	900
Net Cash Flow	-287,897	-82,073	-817,923	171,066
Free Cash Flow	-2,220,760	-1,776,459	-3,034,708	-1,700,874
Free Cash Flow Margin	-91.48%	-80.13%	-142.95%	-86.93%
Free Cash Flow Per Share	-11599.58	-9159.25	-15615.13	-8751.87
Cash Interest Paid	1,623,906	1,295,194	618,988	442,919
Cash Income Tax Paid	178,694	219,492	210,374	132,856

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