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Leases | 12 Months Ended
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Dec. 31, 2025
Leases Disclosure [Abstract] |
Leases |
19. | Leases
| (a) | Gross investment and present value of minimum lease payment of finance lease as of December 31, 2024 and 2025 are as follows:
|  | 2024 |
|  | Gross investment |  |  | Unearned finance income |  |  | Present value of minimum lease payment |
Not later than 1 year |  | W | 655,270 |  |  |  | 116,496 |  |  |  | 538,774 |
1 ~ 2 years |  |  | 580,993 |  |  |  | 75,359 |  |  |  | 505,634 |
2 ~ 3 years |  |  | 520,285 |  |  |  | 36,203 |  |  |  | 484,082 |
3 ~ 4 years |  |  | 305,670 |  |  |  | 13,301 |  |  |  | 292,369 |
4 ~ 5 years |  |  | 217,104 |  |  |  | 10,347 |  |  |  | 206,757 |
Later than 5 years |  |  | 3,858 |  |  |  | 11 |  |  |  | 3,847 |
|  | W | 2,283,180 |  |  |  | 251,717 |  |  |  | 2,031,463 |
| (*) | Interest income on finance lease receivables recognized for the year ended December 31, 2024 is W 119,049 million.
|  | 2025 |
|  | Gross investment |  |  | Unearned finance income |  |  | Present value of minimum lease payment |
Not later than 1 year |  | W | 718,515 |  |  |  | 119,989 |  |  |  | 598,526 |
1 ~ 2 years |  |  | 641,935 |  |  |  | 73,116 |  |  |  | 568,819 |
2 ~ 3 years |  |  | 442,923 |  |  |  | 40,645 |  |  |  | 402,278 |
3 ~ 4 years |  |  | 351,421 |  |  |  | 16,236 |  |  |  | 335,185 |
4 ~ 5 years |  |  | 243,782 |  |  |  | 9,503 |  |  |  | 234,279 |
Later than 5 years |  |  | 3,926 |  |  |  | 9 |  |  |  | 3,917 |
|  | W | 2,402,502 |  |  |  | 259,498 |  |  |  | 2,143,004 |
| (*) | Interest income on finance lease receivables recognized for the year ended December 31, 2025 is W 135,004 million.
| (b) | Minimum lease payment receivable schedule for operating lease contracts of the Group as lessor as of December 31, 2024 and 2025 are as follows:
|  | Minimum lease payment |
|  | 2024 |  |  | 2025 |
Not later than 1 year |  | W | 585,583 |  |  |  | 531,124 |
1 ~ 2 years |  |  | 455,068 |  |  |  | 394,824 |
2 ~ 3 years |  |  | 313,369 |  |  |  | 251,163 |
3 ~ 4 years |  |  | 169,173 |  |  |  | 118,738 |
4 ~ 5 years |  |  | 52,983 |  |  |  | 29,081 |
Later than 5 years |  |  | 328 |  |  |  | 260 |
|  | W | 1,576,504 |  |  |  | 1,325,190 |
| (c) | Changes in operating lease assets for the years ended December 31, 2024 and 2025 are as follows:
|  | 2024 |  |  | 2025 |
Beginning balance |  | W | 2,077,080 |  |  |  | 2,123,621 |
Acquisition |  |  | 740,721 |  |  |  | 504,347 |
Disposal |  |  | (228,384 | ) |  |  | (293,222 | )
Depreciation |  |  | (465,716 | ) |  |  | (445,157 | )
Amounts transferred from (to) property and equipment |  |  | (80 | ) |  |  | (30 | )
Ending balance |  | W | 2,123,621 |  |  |  | 1,889,559 |
| (d) | The details of the right-of-use assets by the lessee’s underlying asset type as of December 31, 2024 and 2025 are as follows:
|  | 2024 |
|  | Acquisition cost |  |  | Accumulated depreciation |  |  | Carrying amount |
Real estate |  | W | 1,621,125 |  |  |  | (784,200 | ) |  |  | 836,925 |
Vehicle |  |  | 57,737 |  |  |  | (31,744 | ) |  |  | 25,993 |
Others |  |  | 38,803 |  |  |  | (26,471 | ) |  |  | 12,332 |
|  | W | 1,717,665 |  |  |  | (842,415 | ) |  |  | 875,250 |
|  | 2025 |
|  | Acquisition cost |  |  | Accumulated depreciation |  |  | Carrying amount |
Real estate |  | W | 1,687,919 |  |  |  | (952,505 | ) |  |  | 735,414 |
Vehicle |  |  | 56,741 |  |  |  | (35,619 | ) |  |  | 21,122 |
Others |  |  | 37,736 |  |  |  | (26,245 | ) |  |  | 11,491 |
|  | W | 1,782,396 |  |  |  | (1,014,369 | ) |  |  | 768,027 |
| (e) | Changes in right-of-use assets for the years ended December 31, 2024 and 2025 are as follows:
|  | 2024 |
|  | Real estate |  |  | Vehicle |  |  | Others |  |  | Total |
Beginning balance |  | W | 566,941 |  |  |  | 28,417 |  |  |  | 11,117 |  |  |  | 606,475 |
Acquisition |  |  | 601,686 |  |  |  | 15,454 |  |  |  | 6,963 |  |  |  | 624,103 |
Disposal |  |  | (40,522 | ) |  |  | (4,222 | ) |  |  | (708 | ) |  |  | (45,452 | )
Depreciation (*) |  |  | (311,077 | ) |  |  | (13,843 | ) |  |  | (5,026 | ) |  |  | (329,946 | )
Impairment loss recognized |  |  | 53 |  |  |  | — |  |  |  | — |  |  |  | 53 |
Effects of foreign currency adjustments |  |  | 19,844 |  |  |  | 187 |  |  |  | (14 | ) |  |  | 20,017 |
Ending balance |  | W | 836,925 |  |  |  | 25,993 |  |  |  | 12,332 |  |  |  | 875,250 |
|  | 2025 |
|  | Real estate |  |  | Vehicle |  |  | Others |  |  | Total |
Beginning balance |  | W | 836,925 |  |  |  | 25,993 |  |  |  | 12,332 |  |  |  | 875,250 |
Acquisition |  |  | 271,932 |  |  |  | 13,205 |  |  |  | 4,729 |  |  |  | 289,866 |
Disposal |  |  | (57,574 | ) |  |  | (4,788 | ) |  |  | (757 | ) |  |  | (63,119 | )
Depreciation (*) |  |  | (317,022 | ) |  |  | (13,060 | ) |  |  | (4,853 | ) |  |  | (334,935 | )
Effects of foreign currency adjustments |  |  | 1,153 |  |  |  | (232 | ) |  |  | 40 |  |  |  | 961 |
Effects of business combinations |  |  | — |  |  |  | 4 |  |  |  | — |  |  |  | 4 |
Ending balance |  | W | 735,414 |  |  |  | 21,122 |  |  |  | 11,491 |  |  |  | 768,027 |
| (*) | Included in general administrative expense, other operating expense and insurance service expense of the consolidated statements of comprehensive income.
| (f) | The details of the maturity of the lease liability as of December 31, 2024 and 2025 are as follows:
|  | 2024 |
|  | 1 month or less |  |  | 1 month ~ 3 months or less |  |  | 3 months ~ 6 months or less |  |  | 6 months ~ 1 year or less |  |  | 1 year ~ 5 years or less |  |  | More than 5 years |  |  | Total |
Real estate |  | W | 31,623 |  |  |  | 45,513 |  |  |  | 63,760 |  |  |  | 128,823 |  |  |  | 479,432 |  |  |  | 95,807 |  |  |  | 844,958 |
Vehicle |  |  | 6,849 |  |  |  | 1,687 |  |  |  | 2,355 |  |  |  | 5,578 |  |  |  | 15,939 |  |  |  | 220 |  |  |  | 32,628 |
Others |  |  | 721 |  |  |  | 713 |  |  |  | 1,325 |  |  |  | 2,202 |  |  |  | 8,142 |  |  |  | — |  |  |  | 13,103 |
|  | W | 39,193 |  |  |  | 47,913 |  |  |  | 67,440 |  |  |  | 136,603 |  |  |  | 503,513 |  |  |  | 96,027 |  |  |  | 890,689 |
|  | 2025 |
|  | 1 month or less |  |  | 1 month ~ 3 months or less |  |  | 3 months ~ 6 months or less |  |  | 6 months ~ 1 year or less |  |  | 1 year ~ 5 years or less |  |  | More than 5 years |  |  | Total |
Real estate |  | W | 32,077 |  |  |  | 44,129 |  |  |  | 63,944 |  |  |  | 114,686 |  |  |  | 401,536 |  |  |  | 92,509 |  |  |  | 748,881 |
Vehicle |  |  | 6,899 |  |  |  | 2,052 |  |  |  | 2,933 |  |  |  | 5,420 |  |  |  | 11,432 |  |  |  | — |  |  |  | 28,736 |
Others |  |  | 767 |  |  |  | 633 |  |  |  | 1,035 |  |  |  | 2,376 |  |  |  | 7,911 |  |  |  | — |  |  |  | 12,722 |
|  | W | 39,743 |  |  |  | 46,814 |  |  |  | 67,912 |  |  |  | 122,482 |  |  |  | 420,879 |  |  |  | 92,509 |  |  |  | 790,339 |
| (*) | The above amounts are based on undiscounted cash flows, and have been classified at the earliest maturity that the Group has the obligation to pay.
| (g) | The lease payments for low-value assets and short-term leases for the years ended December 31, 2023, 2024 and 2025 are as follows:
|  | 2023 |  |  | 2024 |  |  | 2025 |
Low-value assets |  | W | 7,016 |  |  |  | 6,287 |  |  |  | 5,365 |
Short-term lease (*) |  |  | 1,841 |  |  |  | 975 |  |  |  | 1,484 |
Total |  | W | 8,857 |  |  |  | 7,262 |  |  |  | 6,849 |
| (*) | The payments for leases with terms of 1 month or less are included.

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