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	Jun '26 Jun 30, 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	2,081,875	2,025,637	2,079,895	1,804,935	1,135,970	710,408
Interest Income on Investments	518,769	431,223	319,970	243,235	157,904	75,577
Total Interest Income	2,600,644	2,456,860	2,399,865	2,048,170	1,293,874	785,985
Interest Paid on Deposits	1,132,006	1,130,703	1,124,201	926,574	347,604	164,029
Interest Paid on Borrowings	16,273	7,513	6,264	5,626	4,089	656
Total Interest Expense	1,148,279	1,138,216	1,130,465	932,200	351,693	164,685
Net Interest Income	1,452,365	1,318,644	1,269,400	1,115,970	942,181	621,300
Net Interest Income Growth	12.10%	3.88%	13.75%	18.45%	51.65%	52.27%
Gain (Loss) on Sale of Assets	-895	-1,778	-8	-	-	-10
Gain (Loss) on Sale of Investments	116,211	215,179	176,926	140,281	34,252	7,704
Gain (Loss) on Sale of Equity Investments	99,680	7,314	1,680	310	-	-
Other Non-Interest Income	181,369	152,130	134,813	94,564	101,858	111,347
Total Non-Interest Income	615,326	587,995	539,741	439,144	313,980	279,242
Non-Interest Income Growth	2.57%	8.94%	22.91%	39.86%	12.44%	36.28%
Revenues Before Loan Losses	2,067,691	1,906,639	1,809,141	1,555,114	1,256,161	900,542
Provision for Loan Losses	246,242	243,814	270,530	248,348	173,222	92,254
Revenue	1,821,449	1,662,825	1,538,611	1,306,766	1,082,939	808,288
Revenue Growth	12.51%	8.07%	17.74%	20.67%	33.98%	46.42%
Salaries and Employee Benefits	267,109	255,047	257,292	228,982	188,911	141,599
Occupancy Expenses	77,582	67,976	57,986	49,280	46,769	32,858
Federal Deposit Insurance	111,684	104,581	88,428	69,377	55,332	46,503
Amortization of Goodwill & Intangibles	10,585	7,921	7,037	6,578	14,159	18,789
Selling, General & Administrative	169,562	160,364	147,411	130,694	128,229	81,948
Other Non-Interest Expense	431,588	404,226	371,159	345,555	294,132	229,351
Total Non-Interest Expense	1,090,608	1,022,792	949,701	837,559	731,206	551,562
EBT Excluding Unusual Items	730,841	640,033	588,910	469,207	351,733	256,726
Pretax Income	730,841	640,033	588,910	469,207	351,733	256,726
Income Tax Expense	186,186	159,753	148,845	114,295	88,642	52,602
Net Income	544,655	480,280	440,065	354,912	263,091	204,124
Net Income to Common	544,655	480,280	440,065	354,912	263,091	204,124
Net Income Growth	15.32%	9.14%	23.99%	34.90%	28.89%	79.63%
Basic Shares Outstanding	477	476	476	476	476	437
Diluted Shares Outstanding	477	477	477	477	477	440
Shares Change	0.05%	0.00%	-0.03%	-0.06%	8.60%	-
EPS (Basic)	1143.02	1008.03	923.73	744.95	552.53	467.13
EPS (Diluted)	1142.07	1007.19	922.88	744.06	551.21	464.43
EPS Growth	15.26%	9.14%	24.03%	34.98%	18.68%	-

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Effective Tax Rate	25.48%	24.96%	25.27%	24.36%	25.20%	20.49%