KakaoBank 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	2,036,199	2,079,895	1,804,935	1,135,970	710,408	539,264
Interest Income on Investments	392,132	319,970	243,235	157,904	75,577	60,126
Total Interest Income	2,428,331	2,399,865	2,048,170	1,293,874	785,985	599,390
Interest Paid on Deposits	1,133,320	1,124,201	926,574	347,604	164,029	190,877
Interest Paid on Borrowings	6,018	6,264	5,626	4,089	656	483
Total Interest Expense	1,139,338	1,130,465	932,200	351,693	164,685	191,360
Net Interest Income	1,288,993	1,269,400	1,115,970	942,181	621,300	408,030
Net Interest Income Growth (YoY)	2.79%	13.75%	18.45%	51.65%	52.27%	64.82%
Gain (Loss) on Sale of Assets	-1,629	-8	-	-	-10	-
Gain (Loss) on Sale of Investments	242,730	176,926	140,281	34,252	7,704	14,213
Gain (Loss) on Sale of Equity Investments	1,651	1,680	310	-	-	-
Other Non-Interest Income	153,965	134,813	94,564	101,858	111,347	65,786
Total Non-Interest Income	612,294	539,741	439,144	313,980	279,242	204,902
Non-Interest Income Growth (YoY)	23.53%	22.91%	39.86%	12.44%	36.28%	52.96%
Revenues Before Loan Losses	1,901,287	1,809,141	1,555,114	1,256,161	900,542	612,932
Provision for Loan Losses	271,332	270,530	248,348	173,222	92,254	60,893
Revenue	1,629,955	1,538,611	1,306,766	1,082,939	808,288	552,039
Revenue Growth (YoY)	7.87%	17.74%	20.67%	33.98%	46.42%	44.70%
Salaries and Employee Benefits	277,714	257,292	228,982	188,911	141,599	90,603
Occupancy Expenses	64,459	57,986	49,280	46,769	32,858	29,700
Federal Deposit Insurance	99,812	88,428	69,377	55,332	46,503	39,044
Amortization of Goodwill & Intangibles	7,645	7,037	6,578	14,159	18,789	18,715
Selling, General & Administrative	161,694	147,411	130,694	128,229	81,948	53,694
Other Non-Interest Expense	394,414	371,159	345,555	294,132	229,351	197,597
Total Non-Interest Expense	1,019,321	949,701	837,559	731,206	551,562	429,707
EBT Excluding Unusual Items	610,634	588,910	469,207	351,733	256,726	122,332
Pretax Income	610,634	588,910	469,207	351,733	256,726	122,332
Income Tax Expense	151,104	148,845	114,295	88,642	52,602	8,696
Net Income	459,530	440,065	354,912	263,091	204,124	113,636
Net Income to Common	459,530	440,065	354,912	263,091	204,124	113,636
Net Income Growth	6.55%	23.99%	34.90%	28.89%	79.63%	727.47%
Basic Shares Outstanding	476	476	476	476	437	-
Diluted Shares Outstanding	477	477	477	477	440	-
Shares Change (YoY)	0.00%	-0.03%	-0.06%	8.60%	-	-
EPS (Basic)	964.49	923.73	744.95	552.53	467.13	-
EPS (Diluted)	963.68	922.88	744.06	551.21	464.43	-
EPS Growth	6.55%	24.03%	34.98%	18.68%	-	-
Effective Tax Rate	24.75%	25.27%	24.36%	25.20%	20.49%	7.11%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.