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Operating segments

12 Months Ended

Dec. 31, 2025

Disclosure of operating segments [abstract]

8.	Operating segments

(a)

Segment information

General

descriptions of operating segments as of December 31, 2025 are as follows:


Segment		Description
Banking		Credit to customers, lending to and receiving deposits from customers, and its accompanying work

Credit card		Sales of credit cards, short-term and long-term card loan services, installment financing, lease and its accompanying work

Securities		Securities trading, consignment trading, underwriting and its accompanying work

Insurance		Life insurance business, non-life insurance business and its accompanying work

Credit		Facility rental, new technology business financing, others and its accompanying work
Others		Business segments that do not belong to the above segments, such as real estate trust, investment advisory services, venture business investment and other remaining business

(b)

The operating income (expense) and net income by operating segment for the years ended December 31, 2023, 2024 and 2025 are as follows:


	2023
	Banking			Credit card			Securities			Insurance			Credit			Others			Consolidation adjustment			Total
Net interest income	W	8,548,138			1,895,298			443,676			(198,785	)		248,804			125,238			(244,447	)		10,817,922
Net fees and commission income (expense)		748,044			968,665			500,441			(3,210	)		17,463			391,122			24,681			2,647,206
Reversal of (provision for) allowance for credit loss		(914,848	)		(883,956	)		(152,146	)		(16,116	)		(177,912	)		(99,203	)		(322	)		(2,244,503	)
General and administrative expenses		(3,876,485	)		(778,564	)		(720,835	)		(218,820	)		(80,106	)		(403,395	)		182,868			(5,895,337	)
Other income (expense), net		(495,331	)		(267,959	)		181,927			1,087,789			335,205			327,511			(393,580	)		775,562
Operating income (expense)		4,009,518			933,484			253,063			650,858			343,454			341,273			(430,800	)		6,100,850
Equity method income (loss)		8,556			(2,831	)		93			(302	)		66,918			664			51,990			125,088
Income tax expense		936,472			218,332			36,239			167,417			89,849			81,695			(43,044	)		1,486,960

Profit for the year	W	2,969,829			725,171			100,840			464,617			304,024			243,928			(330,409	)		4,478,000

Controlling interest	W	2,969,519			723,845			100,915			464,617			304,024			243,928			(438,813	)		4,368,035
Non-controlling interests		310			1,326			(75	)		—			—			—			108,404			109,965


	2024
	Banking			Credit card			Securities			Insurance			Credit			Others			Consolidation adjustment			Total
Net interest income (expense)	W	8,988,515			1,931,171			573,375			(135,352	)		143,672			92,600			(191,679	)		11,402,302
Net fees and commission income (expense)		867,909			934,519			535,910			(4,380	)		17,442			336,957			26,517			2,714,874
Reversal of (provision for) credit loss allowance		(425,429	)		(917,239	)		(136,466	)		(6,237	)		(151,258	)		(375,991	)		(654	)		(2,013,274	)
General and administrative expenses		(3,983,172	)		(855,125	)		(786,141	)		(201,994	)		(65,273	)		(437,691	)		213,156			(6,116,240	)
Other income (expense), net		(507,922	)		(215,670	)		95,227			1,055,611			177,677			548,614			(682,529	)		471,008

Operating income (expense)		4,939,901			877,656			281,905			707,648			122,260			164,489			(635,189	)		6,458,670
Equity method income (loss)		9,856			(4,053	)		(558	)		(894	)		25,148			(5,453	)		(47,868	)		(23,822	)
Income tax expense		1,040,924			224,731			54,238			193,041			27,044			52,899			(121,955	)		1,470,922

Profit for the year	W	3,610,084			671,506			179,160			510,998			116,948			(124,845	)		(405,681	)		4,558,170

Controlling interest	W	3,609,620			668,392			179,157			510,998			116,948			(124,845	)		(510,093	)		4,450,177
Non-controlling interests		464			3,114			3			—			—			—			104,412			107,993


	2025
	Banking			Credit card			Securities			Insurance			Credit			Others			Consolidation adjustment			Total
Net interest income (expense)	W	9,332,810			1,947,497			572,266			(146,977	)		102,274			77,314			(190,728	)		11,694,456
Net fees and commission income (expense)		1,051,527			763,885			690,164			(8,814	)		22,959			377,488			24,002			2,921,211
Reversal of (provision for) credit loss allowance		(666,420	)		(911,601	)		(116,592	)		(4,840	)		(239,571	)		(62,605	)		(1,336	)		(2,002,965	)
General and administrative expenses		(4,260,611	)		(889,822	)		(804,320	)		(191,106	)		(65,588	)		(443,479	)		252,426			(6,402,500	)
Other income (expense), net		(279,671	)		(167,895	)		146,960			1,110,751			221,419			325,066			(543,475	)		813,155

Operating income (expense)		5,177,635			742,064			488,478			759,014			41,493			273,784			(459,111	)		7,023,357
Equity method income (loss)		14,295			12,794			32,636			(2,428	)		96,362			8,249			59,317			221,225
Income tax expense		1,250,175			176,969			104,732			280,406			28,266			7,813			(3,871	)		1,844,490

Profit for the year	W	3,685,246			584,711			381,605			475,399			108,273			275,426			(426,141	)		5,084,519

Controlling interest	W	3,684,190			581,251			381,617			475,399			108,273			275,426			(534,595	)		4,971,561
Non-controlling interests		1,056			3,460			(12	)		—			—			—			108,454			112,958

(c)

Net interest income from external customers by segment and inter-segment net interest income for the years ended December 31, 2023, 2024 and 2025 are as follows:


	2023
	Banking			Credit card			Securities			Insurance			Credit			Others			Consolidation adjustment (*)			Total
Net interest income from:
External customers (*)	W	8,557,545			1,961,035			449,835			(208,812	)		265,943			36,700			(244,324	)		10,817,922
Internal-segment transactions		(9,407	)		(65,737	)		(6,159	)		10,027			(17,139	)		88,538			(123	)		—

	W	8,548,138			1,895,298			443,676			(198,785	)		248,804			125,238			(244,447	)		10,817,922


	2024
	Banking			Credit card			Securities			Insurance			Credit			Others			Consolidation adjustment (*)			Total
Net interest income from:
External customers (*)	W	8,987,390			1,997,334			596,982			(129,874	)		170,737			1,207			(221,474	)		11,402,302
Inter-segment transactions		1,125			(66,163	)		(23,607	)		(5,478	)		(27,065	)		91,393			29,795			—

	W	8,988,515			1,931,171			573,375			(135,352	)		143,672			92,600			(191,679	)		11,402,302


	2025
	Banking			Credit card			Securities			Insurance			Credit			Others			Consolidation adjustment (*)			Total
Net interest income from:
External customers (*)	W	9,330,010			1,997,682			595,111			(142,326	)		119,698			(1,078	)		(204,641	)		11,694,456
Inter-segment transactions		2,800			(50,185	)		(22,845	)		(4,651	)		(17,424	)		78,392			13,913			—

	W	9,332,810			1,947,497			572,266			(146,977	)		102,274			77,314			(190,728	)		11,694,456

(*)	Consolidated adjustments to net interest income from external customers relate to the fair value measurement of securities and other assets arising from business combination accounting.

(d)

Net fee and commission income from external customers by segment and inter-segment net fees and commission income for the years ended December 31, 2023, 2024 and 2025 are as follows:


	2023
	Banking			Credit card			Securities			Insurance			Credit		Others		Consolidation adjustment		Total
Net fees and commission income from:
External customers	W	794,021			1,019,262			507,109			2,151			14,917		309,746		—		2,647,206
Internal-segment transactions		(45,977	)		(50,597	)		(6,668	)		(5,361	)		2,546		81,376		24,681		—

	W	748,044			968,665			500,441			(3,210	)		17,463		391,122		24,681		2,647,206


	2024
	Banking			Credit card			Securities			Insurance			Credit		Others		Consolidation adjustment		Total
Net fee and commission income from:
External customers	W	911,057			984,884			541,673			3,561			15,910		257,789		—		2,714,874
Inter-segment transactions		(43,148	)		(50,365	)		(5,763	)		(7,941	)		1,532		79,168		26,517		—

	W	867,909			934,519			535,910			(4,380	)		17,442		336,957		26,517		2,714,874


	2025
	Banking			Credit card			Securities			Insurance			Credit		Others		Consolidation adjustment		Total
Net fee and commission income from:
External customers	W	1,087,979			817,107			697,178			1,310			22,216		295,421		—		2,921,211
Inter-segment transactions		(36,452	)		(53,222	)		(7,014	)		(10,124	)		743		82,067		24,002		—

	W	1,051,527			763,885			690,164			(8,814	)		22,959		377,488		24,002		2,921,211

(e)

Financial information of geographical area

Operating income from external customers for the years ended December 31, 2023, 2024 and 2025 are as follows:


	2023		2024		2025
Domestic	W	5,088,487		5,180,020		5,642,133
Overseas (*)		1,012,363		1,278,650		1,381,224

	W	6,100,850		6,458,670		7,023,357

(*)

These are cases where revenue from external customers attributed to specific foreign countries is material, with Vietnam and Japan as relevant cases. As of December 31, 2023, 2024 and 2025, operating income recognized for Vietnam amounted to

275,581 million,

332,717 million and

332,114 million, respectively. For Japan, it amounted to

187,466 million,

218,393 million and

256,027 million, respectively.

ii)

Non-current

assets as of December 31, 2024 and 2025 are as follows:


	2024		2025
Domestic	W	10,185,952		9,797,256
Overseas		419,469		860,708

	W	10,605,421		10,657,964

(*)

Non-current

assets comprise property and equipment, investment properties, and intangible assets.