KakaoBank Balance Sheet

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	2016 - 2019
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	2016 - 2019
Cash & Equivalents	1,749,810	1,855,353	2,733,244	1,381,539	6,648	7,184	Upgrade
Investment Securities	109,590	117,710	101,419	6,451	-	-	Upgrade
Trading Asset Securities	23,691,881	15,160,092	11,729,250	9,011,302	7,640,933	4,261,370	Upgrade
Total Investments	23,801,471	15,277,802	11,830,669	9,017,753	7,640,933	4,261,370	Upgrade
Gross Loans	47,228,679	45,004,083	39,046,536	28,315,244	26,503,152	20,753,314	Upgrade
Allowance for Loan Losses	-529,691	-500,318	-397,498	-261,828	-141,054	-90,505	Upgrade
Net Loans	46,698,988	44,503,765	38,649,038	28,053,416	26,362,098	20,662,809	Upgrade
Property, Plant & Equipment	194,840	176,842	180,806	172,900	70,229	46,157	Upgrade
Other Intangible Assets	37,510	37,251	30,529	24,515	22,556	20,805	Upgrade
Accrued Interest Receivable	194,583	167,936	203,275	192,665	144,133	82,210	Upgrade
Other Receivables	555,174	4,764	1,016	374	41,535	532	Upgrade
Restricted Cash	-	-	-	-	1,212,510	1,188,753	Upgrade
Other Current Assets	70,109	27,705	15,567	9,851	6,571	4,807	Upgrade
Long-Term Deferred Tax Assets	-	-	-	16,734	20,467	-	Upgrade
Other Long-Term Assets	679,087	747,792	840,335	642,653	501,484	351,290	Upgrade
Total Assets	73,987,994	62,805,282	54,488,157	39,516,079	36,040,068	26,649,990	Upgrade
Accrued Expenses	480,195	456,287	361,452	115,421	82,961	81,093	Upgrade
Interest Bearing Deposits	27,023,306	21,681,684	21,066,466	12,666,822	12,432,569	10,529,861	Upgrade
Non-Interest Bearing Deposits	38,719,159	33,289,358	26,076,376	20,388,982	17,593,564	13,009,421	Upgrade
Total Deposits	65,742,465	54,971,042	47,142,842	33,055,804	30,026,133	23,539,282	Upgrade
Current Income Taxes Payable	36,155	52,629	50,243	36,975	14,076	3,613	Upgrade
Other Current Liabilities	17,404	22,182	16,721	11,330	5,961	4,849	Upgrade
Long-Term Unearned Revenue	809	818	967	934	581	295	Upgrade
Pension & Post-Retirement Benefits	36,989	30,605	21,527	15,980	13,942	10,567	Upgrade
Long-Term Deferred Tax Liabilities	91,131	70,367	29,365	-	-	-	Upgrade
Other Long-Term Liabilities	867,845	661,221	747,346	564,525	375,044	213,329	Upgrade
Total Liabilities	67,272,993	56,265,151	48,370,463	33,800,969	30,518,698	23,853,028	Upgrade
Common Stock	2,384,952	2,384,843	2,384,361	2,383,653	2,375,796	2,038,265	Upgrade
Additional Paid-In Capital	2,988,210	2,988,152	2,987,543	2,986,761	2,956,238	759,805	Upgrade
Retained Earnings	1,326,756	1,123,203	754,589	453,392	190,301	-13,823	Upgrade
Treasury Stock	-13,000	-13,000	-13,000	-	-	-	Upgrade
Comprehensive Income & Other	28,083	56,933	4,201	-108,696	-965	12,715	Upgrade
Total Common Equity	6,715,001	6,540,131	6,117,694	5,715,110	5,521,370	2,796,962	Upgrade
Shareholders' Equity	6,715,001	6,540,131	6,117,694	5,715,110	5,521,370	2,796,962	Upgrade
Total Liabilities & Equity	73,987,994	62,805,282	54,488,157	39,516,079	36,040,068	26,649,990	Upgrade
Net Cash (Debt)	25,441,691	17,015,445	14,462,494	10,392,841	7,647,581	4,268,554	Upgrade
Net Cash Growth	53.94%	17.65%	39.16%	35.90%	79.16%	48.02%	Upgrade
Net Cash Per Share	-	35683.87	30319.96	21774.45	17400.17	-	Upgrade
Filing Date Shares Outstanding	-	476.44	476.34	476.73	475.16	-	Upgrade
Total Common Shares Outstanding	-	476.44	476.34	476.73	475.16	-	Upgrade
Book Value Per Share	-	13727.19	12843.13	11988.13	11620.04	-	Upgrade
Tangible Book Value	6,677,491	6,502,880	6,087,165	5,690,595	5,498,814	2,776,157	Upgrade
Tangible Book Value Per Share	-	13649.00	12779.04	11936.71	11572.57	-	Upgrade

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