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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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	3,433,094	3,353,668	3,395,602	3,194,817	2,382,276	1,791,528
Interest Income on Investments	400,812	354,342	283,021	215,717	164,105	121,239
Total Interest Income	3,833,906	3,708,010	3,678,623	3,410,534	2,546,381	1,912,767
Interest Paid on Deposits	947,729	977,551	1,120,225	1,077,405	518,722	258,949
Interest Paid on Borrowings	570,222	549,367	539,584	411,930	267,377	188,126
Total Interest Expense	1,517,951	1,526,918	1,659,809	1,489,335	786,099	447,075
Net Interest Income	2,315,955	2,181,092	2,018,814	1,921,199	1,760,282	1,465,692
Net Interest Income Growth	13.32%	8.04%	5.08%	9.14%	20.10%	15.26%
Trust Income	20,214	21,256	19,347	12,973	14,930	14,256
Income From Trading Activities	-44,887	-48,225	-29,503	-36,305	-20,434	-3,146
Gain (Loss) on Sale of Assets	145	116	302	-931	-649	491
Gain (Loss) on Sale of Investments	113,354	168,293	132,728	60,955	14,590	48,392
Gain (Loss) on Sale of Equity Investments	40,655	38,703	5,980	80	6	4,615
Other Non-Interest Income	641,345	626,465	730,407	682,001	587,954	546,667
Total Non-Interest Income	788,063	827,119	882,358	738,199	619,164	626,822
Non-Interest Income Growth	-8.86%	-6.26%	19.53%	19.23%	-1.22%	9.43%
Revenues Before Loan Losses	3,104,018	3,008,211	2,901,172	2,659,398	2,379,446	2,092,514
Provision for Loan Losses	470,485	478,979	478,609	442,457	256,532	135,886
Revenue	2,633,533	2,529,232	2,422,563	2,216,941	2,122,914	1,956,628
Revenue Growth	8.26%	4.40%	9.28%	4.43%	8.50%	18.46%
Salaries and Employee Benefits	662,638	624,162	568,119	525,095	487,079	496,132
Occupancy Expenses	67,839	67,393	67,220	71,587	69,488	67,091
Federal Deposit Insurance	55,071	54,002	50,300	47,946	46,687	42,035
Amortization of Goodwill & Intangibles	45,428	43,023	35,213	28,959	26,843	32,940
Selling, General & Administrative	146,192	147,974	134,042	124,038	118,813	113,050
Other Non-Interest Expense	623,462	598,875	644,161	605,620	532,992	482,123
Total Non-Interest Expense	1,639,569	1,564,381	1,514,662	1,417,441	1,290,715	1,260,214
EBT Excluding Unusual Items	993,964	964,851	907,901	799,500	832,199	696,414
Asset Writedown	-147	-147	-	-	-	-
Pretax Income	993,817	964,704	907,901	799,500	832,199	696,414
Income Tax Expense	245,648	234,664	214,910	195,576	213,942	171,002
Earnings From Continuing Operations	748,169	730,040	692,991	603,924	618,257	525,412
Minority Interest in Earnings	-22,525	-19,654	-15,474	-17,943	-17,237	-18,850
Net Income	725,644	710,386	677,517	585,981	601,020	506,562
Preferred Dividends & Other Adjustments	40,267	26,845	19,184	22,251	18,723	18,723
Net Income to Common	685,377	683,541	658,333	563,730	582,298	487,840
Net Income Growth	2.47%	3.83%	16.78%	-3.19%	19.36%	41.49%
Basic Shares Outstanding	183	189	191	194	194	194
Diluted Shares Outstanding	183	189	191	194	194	194
Shares Change	-5.85%	-1.36%	-1.29%	-0.20%	-	-
EPS (Basic)	3747.65	3619.43	3438.64	2906.53	2996.22	2510.18
EPS (Diluted)	3747.20	3619.00	3438.64	2906.53	2996.00	2510.18
EPS Growth	8.82%	5.24%	18.31%	-2.99%	19.35%	41.49%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 2026	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
Dividend Per Share	1140.000	1140.000	-	-	-	-
Dividend Growth	-	-	-	-	-	-
Effective Tax Rate	24.72%	24.32%	23.67%	24.46%	25.71%	24.55%