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
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
Cash & Equivalents	1,749,810	1,855,353	2,733,244	1,381,539	6,648	7,184
Investment Securities	109,590	117,710	101,419	6,451	-	-
Trading Asset Securities	23,691,881	15,160,092	11,729,250	9,011,302	7,640,933	4,261,370
Total Investments	23,801,471	15,277,802	11,830,669	9,017,753	7,640,933	4,261,370
Gross Loans	47,228,679	45,004,083	39,046,536	28,315,244	26,503,152	20,753,314
Allowance for Loan Losses	-529,691	-500,318	-397,498	-261,828	-141,054	-90,505
Net Loans	46,698,988	44,503,765	38,649,038	28,053,416	26,362,098	20,662,809
Property, Plant & Equipment	194,840	176,842	180,806	172,900	70,229	46,157
Other Intangible Assets	37,510	37,251	30,529	24,515	22,556	20,805
Accrued Interest Receivable	194,583	167,936	203,275	192,665	144,133	82,210
Other Receivables	555,174	4,764	1,016	374	41,535	532
Restricted Cash	-	-	-	-	1,212,510	1,188,753
Other Current Assets	70,109	27,705	15,567	9,851	6,571	4,807
Long-Term Deferred Tax Assets	-	-	-	16,734	20,467	-
Other Long-Term Assets	679,087	747,792	840,335	642,653	501,484	351,290
Total Assets	73,987,994	62,805,282	54,488,157	39,516,079	36,040,068	26,649,990
Accrued Expenses	480,195	456,287	361,452	115,421	82,961	81,093
Interest Bearing Deposits	27,023,306	21,681,684	21,066,466	12,666,822	12,432,569	10,529,861
Non-Interest Bearing Deposits	38,719,159	33,289,358	26,076,376	20,388,982	17,593,564	13,009,421
Total Deposits	65,742,465	54,971,042	47,142,842	33,055,804	30,026,133	23,539,282
Current Income Taxes Payable	36,155	52,629	50,243	36,975	14,076	3,613
Other Current Liabilities	17,404	22,182	16,721	11,330	5,961	4,849
Long-Term Unearned Revenue	809	818	967	934	581	295
Pension & Post-Retirement Benefits	36,989	30,605	21,527	15,980	13,942	10,567
Long-Term Deferred Tax Liabilities	91,131	70,367	29,365	-	-	-
Other Long-Term Liabilities	867,845	661,221	747,346	564,525	375,044	213,329
Total Liabilities	67,272,993	56,265,151	48,370,463	33,800,969	30,518,698	23,853,028
Common Stock	2,384,952	2,384,843	2,384,361	2,383,653	2,375,796	2,038,265
Additional Paid-In Capital	2,988,210	2,988,152	2,987,543	2,986,761	2,956,238	759,805
Retained Earnings	1,326,756	1,123,203	754,589	453,392	190,301	-13,823
Treasury Stock	-13,000	-13,000	-13,000	-	-	-
Comprehensive Income & Other	28,083	56,933	4,201	-108,696	-965	12,715
Total Common Equity	6,715,001	6,540,131	6,117,694	5,715,110	5,521,370	2,796,962
Shareholders' Equity	6,715,001	6,540,131	6,117,694	5,715,110	5,521,370	2,796,962
Total Liabilities & Equity	73,987,994	62,805,282	54,488,157	39,516,079	36,040,068	26,649,990
Net Cash (Debt)	25,441,691	17,015,445	14,462,494	10,392,841	7,647,581	4,268,554
Net Cash Growth	53.94%	17.65%	39.16%	35.90%	79.16%	48.02%
Net Cash Per Share	53353.77	35683.87	30319.96	21774.45	17400.17	-
Filing Date Shares Outstanding	476.46	476.44	476.34	476.73	475.16	-
Total Common Shares Outstanding	476.46	476.44	476.34	476.73	475.16	-
Book Value Per Share	14093.58	13727.19	12843.13	11988.13	11620.04	-
Tangible Book Value	6,677,491	6,502,880	6,087,165	5,690,595	5,498,814	2,776,157
Tangible Book Value Per Share	14014.85	13649.00	12779.04	11936.71	11572.57	-

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