K Bank Cash Flow 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
Net Income	109,065	128,053	12,812	83,569	22,547	-105,374
Depreciation & Amortization	23,405	19,988	19,100	21,395	11,298	9,647
Other Amortization	1,853	-	-	-	22,873	22,612
Gain (Loss) on Sale of Assets	46	75	363	-	83	-47
Gain (Loss) on Sale of Investments	-19,039	-16,034	-5,146	-1,365	-	-
Provision for Credit Losses	233,190	246,783	292,708	136,069	52,664	26,933
Change in Trading Asset Securities	105,455	55,146	-198,635	-200,000	-	-
Change in Other Net Operating Assets	-7,218,095	-8,092,499	-5,135,423	-2,998,759	1,788,976	-420,639
Other Operating Activities	-73,842	7,041	38,315	36,008	3,285	-12,833
Operating Cash Flow	-6,837,931	-7,651,342	-4,975,993	-2,921,892	1,902,416	-479,701
Capital Expenditures	-18,312	-10,980	-9,690	-8,601	-6,937	-248
Sale of Property, Plant and Equipment	-	-	25	-	-	-
Investment in Securities	-2,107,720	-1,509,967	813,422	-432,300	-3,133,612	100,220
Purchase / Sale of Intangibles	-27,197	-16,670	-14,211	-12,423	-11,099	-4,859
Other Investing Activities	-1,027	-34	-277	-239	178	-173
Investing Cash Flow	-2,154,256	-1,537,651	789,269	-453,563	-3,151,470	94,940
Long-Term Debt Repaid	-	-4,710	-4,356	-4,777	-4,989	-6,211
Net Debt Issued (Repaid)	-5,720	-4,710	-4,356	-4,777	-4,989	-6,211
Issuance of Common Stock	99,894	-	-	-	1,254,204	390,850
Net Increase (Decrease) in Deposit Accounts	9,501,018	9,501,018	4,462,236	3,287,907	-	-
Financing Cash Flow	9,594,042	9,496,308	4,457,880	3,283,130	1,249,215	384,639
Net Cash Flow	601,855	307,315	271,156	-92,325	161	-122
Free Cash Flow	-6,856,243	-7,662,322	-4,985,683	-2,930,493	1,895,479	-479,949
Free Cash Flow Margin	-1649.61%	-1781.21%	-2086.23%	-1026.13%	1156.18%	-4246.96%
Free Cash Flow Per Share	-18249.49	-	-	-7784.82	6893.57	-3559.85
Cash Interest Paid	666,744	521,808	343,205	88,422	34,114	40,311
Cash Income Tax Paid	6,647	6,073	13,592	6,531	3,840	-575

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