K Bank Income Statement

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
Interest Income on Loans	910,523	892,762	774,184	464,871	237,662
Interest Income on Investments	169,029	138,158	99,957	57,057	-
Total Interest Income	1,079,552	1,030,920	874,141	521,928	237,662
Interest Paid on Deposits	630,076	546,692	421,627	135,204	39,629
Interest Paid on Borrowings	5,306	2,688	2,115	1,524	-
Total Interest Expense	635,382	549,380	423,742	136,728	39,629
Net Interest Income	444,170	481,540	450,399	385,200	198,033
Net Interest Income Growth (YoY)	-7.76%	6.91%	16.93%	94.51%	326.56%
Gain (Loss) on Sale of Assets	-47	-12	-363	-	-
Gain (Loss) on Sale of Investments	88,500	72,204	31,580	3,406	-
Other Non-Interest Income	48,883	42,959	27,898	27,752	19,609
Total Non-Interest Income	255,518	198,151	72,190	36,675	19,609
Non-Interest Income Growth (YoY)	28.95%	174.49%	96.84%	87.03%	-
Revenues Before Loan Losses	699,688	679,691	522,589	421,875	217,642
Provision for Loan Losses	213,221	249,515	283,609	136,289	53,699
Revenue	486,467	430,176	238,980	285,586	163,943
Revenue Growth (YoY)	13.09%	80.01%	-16.32%	74.20%	1350.69%
Salaries and Employee Benefits	95,529	77,662	61,642	54,530	-
Occupancy Expenses	18,333	12,826	10,744	9,838	-
Federal Deposit Insurance	24,558	19,827	14,421	10,758	-
Amortization of Goodwill & Intangibles	12,097	9,044	9,912	13,130	-
Selling, General & Administrative	88,598	71,344	46,412	52,925	123,906
Other Non-Interest Expense	128,700	105,923	79,549	52,280	15,546
Total Non-Interest Expense	372,840	297,403	224,174	193,736	139,508
EBT Excluding Unusual Items	113,627	132,773	14,806	91,850	24,435
Pretax Income	113,627	132,773	14,806	91,850	24,435
Income Tax Expense	1,018	4,720	1,994	8,281	1,888
Net Income	112,609	128,053	12,812	83,569	22,547
Net Income to Common	112,609	128,053	12,812	83,569	22,547
Net Income Growth	-12.06%	899.48%	-84.67%	270.64%	-
Basic Shares Outstanding	-	-	-	376	275
Diluted Shares Outstanding	-	-	-	376	275
Shares Change (YoY)	-	-	-	36.90%	103.94%
EPS (Basic)	-	-	-	222.00	82.00
EPS (Diluted)	-	-	-	222.00	82.00
EPS Growth	-	-	-	170.73%	-
Effective Tax Rate	0.90%	3.55%	13.47%	9.02%	7.73%

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