K Bank Income Statement

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
Interest Income on Loans	935,328	892,762	774,184	464,871	237,662	71,737
Interest Income on Investments	138,158	138,158	99,957	57,057	-	-
Total Interest Income	1,073,486	1,030,920	874,141	521,928	237,662	71,737
Interest Paid on Deposits	637,730	546,692	421,627	135,204	39,629	25,312
Interest Paid on Borrowings	2,688	2,688	2,115	1,524	-	-
Total Interest Expense	640,418	549,380	423,742	136,728	39,629	25,312
Net Interest Income	433,068	481,540	450,399	385,200	198,033	46,425
Net Interest Income Growth (YoY)	-12.84%	6.91%	16.93%	94.51%	326.56%	10.84%
Gain (Loss) on Sale of Assets	-46	-12	-363	-	-	45
Gain (Loss) on Sale of Investments	94,076	72,204	31,580	3,406	-	2,230
Other Non-Interest Income	41,451	42,959	27,898	27,752	19,609	-10,213
Total Non-Interest Income	218,481	198,151	72,190	36,675	19,609	-7,938
Non-Interest Income Growth (YoY)	153.59%	174.49%	96.84%	87.03%	-	-
Revenues Before Loan Losses	651,549	679,691	522,589	421,875	217,642	38,487
Provision for Loan Losses	235,922	249,515	283,609	136,289	53,699	27,186
Revenue	415,627	430,176	238,980	285,586	163,943	11,301
Revenue Growth (YoY)	29.23%	80.01%	-16.32%	74.20%	1350.69%	48.46%
Salaries and Employee Benefits	77,588	77,662	61,642	54,530	-	-
Occupancy Expenses	12,826	12,826	10,744	9,838	-	-
Federal Deposit Insurance	19,827	19,827	14,421	10,758	-	-
Amortization of Goodwill & Intangibles	9,044	9,044	9,912	13,130	-	-
Selling, General & Administrative	109,158	71,344	46,412	52,925	123,906	109,955
Other Non-Interest Expense	70,353	105,923	79,549	52,280	15,546	6,729
Total Non-Interest Expense	300,183	297,403	224,174	193,736	139,508	116,675
EBT Excluding Unusual Items	115,444	132,773	14,806	91,850	24,435	-105,374
Pretax Income	115,480	132,773	14,806	91,850	24,435	-105,374
Income Tax Expense	6,415	4,720	1,994	8,281	1,888	-
Net Income	109,065	128,053	12,812	83,569	22,547	-105,374
Net Income to Common	107,915	128,053	12,812	83,569	22,547	-105,374
Net Income Growth	12.44%	899.48%	-84.67%	270.64%	-	-
Basic Shares Outstanding	376	-	-	376	275	135
Diluted Shares Outstanding	376	-	-	376	275	135
Shares Change (YoY)	-	-	-	36.90%	103.94%	37.43%
EPS (Basic)	287.24	-	-	222.00	82.00	-781.57
EPS (Diluted)	287.24	-	-	222.00	82.00	-782.00
EPS Growth	11.25%	-	-	170.73%	-	-
Effective Tax Rate	-	3.55%	13.47%	9.02%	7.73%	-

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