KakaoBank 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	Mar '26 Mar 31, 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	2,040,854	2,025,637	2,079,895	1,804,935	1,135,970	710,408
Interest Income on Investments	473,499	431,223	319,970	243,235	157,904	75,577
Total Interest Income	2,514,353	2,456,860	2,399,865	2,048,170	1,293,874	785,985
Interest Paid on Deposits	1,135,598	1,130,703	1,124,201	926,574	347,604	164,029
Interest Paid on Borrowings	10,097	7,513	6,264	5,626	4,089	656
Total Interest Expense	1,145,695	1,138,216	1,130,465	932,200	351,693	164,685
Net Interest Income	1,368,658	1,318,644	1,269,400	1,115,970	942,181	621,300
Net Interest Income Growth (YoY)	5.95%	3.88%	13.75%	18.45%	51.65%	52.27%
Gain (Loss) on Sale of Assets	-1,295	-1,778	-8	-	-	-10
Gain (Loss) on Sale of Investments	162,556	215,179	176,926	140,281	34,252	7,704
Gain (Loss) on Sale of Equity Investments	99,790	7,314	1,680	310	-	-
Other Non-Interest Income	169,492	152,130	134,813	94,564	101,858	111,347
Total Non-Interest Income	644,409	587,995	539,741	439,144	313,980	279,242
Non-Interest Income Growth (YoY)	12.42%	8.94%	22.91%	39.86%	12.44%	36.28%
Revenues Before Loan Losses	2,013,067	1,906,639	1,809,141	1,555,114	1,256,161	900,542
Provision for Loan Losses	247,513	243,814	270,530	248,348	173,222	92,254
Revenue	1,765,554	1,662,825	1,538,611	1,306,766	1,082,939	808,288
Revenue Growth (YoY)	10.97%	8.07%	17.74%	20.67%	33.98%	46.42%
Salaries and Employee Benefits	260,596	255,047	257,292	228,982	188,911	141,599
Occupancy Expenses	72,899	67,976	57,986	49,280	46,769	32,858
Federal Deposit Insurance	108,829	104,581	88,428	69,377	55,332	46,503
Amortization of Goodwill & Intangibles	8,034	7,921	7,037	6,578	14,159	18,789
Selling, General & Administrative	162,462	160,364	147,411	130,694	128,229	81,948
Other Non-Interest Expense	422,561	404,226	371,159	345,555	294,132	229,351
Total Non-Interest Expense	1,057,294	1,022,792	949,701	837,559	731,206	551,562
EBT Excluding Unusual Items	708,260	640,033	588,910	469,207	351,733	256,726
Pretax Income	708,260	640,033	588,910	469,207	351,733	256,726
Income Tax Expense	178,100	159,753	148,845	114,295	88,642	52,602
Net Income	530,160	480,280	440,065	354,912	263,091	204,124
Net Income to Common	530,160	480,280	440,065	354,912	263,091	204,124
Net Income Growth	13.70%	9.14%	23.99%	34.90%	28.89%	79.63%
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)	-	1008.03	923.73	744.95	552.53	467.13
EPS (Diluted)	-	1007.19	922.88	744.06	551.21	464.43
EPS Growth	-	9.14%	24.03%	34.98%	18.68%	-
Effective Tax Rate	25.15%	24.96%	25.27%	24.36%	25.20%	20.49%