KakaoBank Balance Sheet

Financials in millions KRW. Fiscal year is January - December.

Millions KRW. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	2018 - 2016
Period Ending	Sep '24 Sep 30, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	Dec '19 Dec 31, 2019	2018 - 2016
Cash & Equivalents	2,427,605	2,733,244	1,381,539	6,648	7,184	6,699	Upgrade
Investment Securities	114,833	101,419	6,451	-	-	-	Upgrade
Trading Asset Securities	14,099,508	11,729,250	9,011,302	7,640,933	4,261,370	2,877,132	Upgrade
Total Investments	14,214,341	11,830,669	9,017,753	7,640,933	4,261,370	2,877,132	Upgrade
Gross Loans	44,984,063	39,046,536	28,315,244	26,503,152	20,753,314	19,250,923	Upgrade
Allowance for Loan Losses	-445,331	-397,498	-261,828	-141,054	-90,505	-57,134	Upgrade
Net Loans	44,538,732	38,649,038	28,053,416	26,362,098	20,662,809	19,193,789	Upgrade
Property, Plant & Equipment	179,328	180,806	172,900	70,229	46,157	47,119	Upgrade
Other Intangible Assets	34,296	30,529	24,515	22,556	20,805	20,013	Upgrade
Accrued Interest Receivable	163,027	203,275	192,665	144,133	82,210	65,911	Upgrade
Other Receivables	15,451	1,016	374	41,535	532	184.39	Upgrade
Restricted Cash	-	-	-	1,212,510	1,188,753	219,349	Upgrade
Other Current Assets	29,146	15,567	9,851	6,571	4,807	7,629	Upgrade
Long-Term Deferred Tax Assets	-	-	16,734	20,467	-	-	Upgrade
Other Long-Term Assets	554,207	840,335	642,653	501,484	351,290	249,901	Upgrade
Total Assets	62,159,345	54,488,157	39,516,079	36,040,068	26,649,990	22,724,108	Upgrade
Accrued Expenses	435,749	361,452	115,421	82,961	81,093	137,075	Upgrade
Interest Bearing Deposits	22,856,786	21,066,466	12,666,822	12,432,569	10,529,861	12,731,212	Upgrade
Non-Interest Bearing Deposits	31,483,956	26,076,376	20,388,982	17,593,564	13,009,421	7,980,696	Upgrade
Total Deposits	54,340,742	47,142,842	33,055,804	30,026,133	23,539,282	20,711,908	Upgrade
Current Income Taxes Payable	47,749	50,243	36,975	14,076	3,613	-	Upgrade
Other Current Liabilities	14,999	16,721	11,330	5,961	4,849	6,335	Upgrade
Long-Term Unearned Revenue	885	967	934	581	295	185.32	Upgrade
Pension & Post-Retirement Benefits	27,098	21,527	15,980	13,942	10,567	8,005	Upgrade
Long-Term Deferred Tax Liabilities	71,426	29,365	-	-	-	-	Upgrade
Other Long-Term Liabilities	775,458	747,346	564,525	375,044	213,329	181,879	Upgrade
Total Liabilities	55,714,106	48,370,463	33,800,969	30,518,698	23,853,028	21,045,387	Upgrade
Common Stock	2,384,818	2,384,361	2,383,653	2,375,796	2,038,265	1,825,482	Upgrade
Additional Paid-In Capital	2,987,668	2,987,543	2,986,761	2,956,238	759,805	-	Upgrade
Retained Earnings	1,038,746	754,589	453,392	190,301	-13,823	-127,459	Upgrade
Treasury Stock	-13,000	-13,000	-	-	-	-	Upgrade
Comprehensive Income & Other	47,007	4,201	-108,696	-965	12,715	-19,302	Upgrade
Total Common Equity	6,445,239	6,117,694	5,715,110	5,521,370	2,796,962	1,678,721	Upgrade
Shareholders' Equity	6,445,239	6,117,694	5,715,110	5,521,370	2,796,962	1,678,721	Upgrade
Total Liabilities & Equity	62,159,345	54,488,157	39,516,079	36,040,068	26,649,990	22,724,108	Upgrade
Net Cash (Debt)	16,527,113	14,462,494	10,392,841	7,647,581	4,268,554	2,883,831	Upgrade
Net Cash Growth	41.65%	39.16%	35.90%	79.16%	48.02%	161.26%	Upgrade
Net Cash Per Share	34676.42	30319.96	21766.06	17383.93	11607.09	10499.69	Upgrade
Filing Date Shares Outstanding	476.43	476.34	476.73	475.16	367.75	274.66	Upgrade
Total Common Shares Outstanding	476.43	476.34	476.73	475.16	367.75	274.66	Upgrade
Book Value Per Share	13528.16	12843.13	11988.13	11620.04	7605.52	6112.03	Upgrade
Tangible Book Value	6,410,943	6,087,165	5,690,595	5,498,814	2,776,157	1,658,708	Upgrade
Tangible Book Value Per Share	13456.18	12779.04	11936.71	11572.57	7548.95	6039.16	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.