Woori Financial Group Inc
(NYSE:WF)

Woori Financial Group Inc. engages in the banking, credit card, and investment banking businesses. It offers loans and deposits, and relevant services; credit card, cash services, card loans, and related services; and securities operation, sale of financial instruments, project financing, and other ...

Website: http://www.wooribank.com

Founded: 2001

Full Time Employees: 144

Sector: Financial Services

Industry: Banks-Regional

Financial Services

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At a glance:

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Income Statements:

Quarterly

Annual

Unit: USD	2025-08-14	2024-08-14	2024-03-06	2024-02-29	2023-05-16	2020-08-14	2018-12-31	2016-11-14	2015-08-17	2011-12-31	2010-12-31	2010-11-01	2007-11-14	2007-08-14	2007-03-30	2006-11-13	2006-08-11	2006-05-12	2006-03-30	2005-11-14	2005-08-16	2005-05-16	2005-03-31	2004-12-31	2004-11-12	2004-09-03	2004-08-13	2004-05-14	2004-03-30	2003-11-18	2003-11-14

interest income	5,114,607,000,000	5,418,375,000,000	20,641,554,000,000	64,592,000,000	13,706,000,000	7,699,000,000	527,231,250,000	2,108,925,000,000	2,179,107,000,000		1,792,500,000	2,587,000,000	2,693,000,000	1,992,000,000	14,945,000,000	5,190,000,000	5,101,000,000	2,664,000,000	17,615,000,000	4,384,000,000	4,016,000,000	3,866,000,000	32,085,000,000	6,263,250,000	7,426,000,000		6,290,000,000	11,337,000,000	66,249,000,000	16,925,000,000
financial assets at fvtpl	64,600,000,000	57,213,000,000	192,094,000,000
financial assets at fvtoci	324,231,000,000	322,136,000,000	999,407,000,000
financial assets at amortized cost	4,725,776,000,000	5,039,026,000,000	19,450,053,000,000
interest expense	-2,852,790,000,000	-3,221,479,000,000	-11,899,014,000,000	-37,097,000,000	-8,024,000,000	11,031,000,000	-4,885,483,000,000	852,483,000,000	998,419,000,000		46,112,250,000	62,142,000,000	25,749,000,000	22,928,000,000	104,260,000,000	26,237,000,000	26,671,000,000	28,057,000,000	117,748,000,000	29,631,000,000	28,391,000,000	-28,434,000,000	-145,030,000,000	-28,063,250,000	-37,771,000,000		-36,838,000,000	-37,644,000,000	-138,837,000,000	-33,473,000,000
net interest income	2,261,817,000,000	2,196,896,000,000	8,742,540,000,000	27,495,000,000	5,682,000,000	-3,332,000,000	4,394,558,000,000	1,256,442,000,000	1,180,688,000,000
fees and commissions income	732,233,000,000	743,509,000,000	2,565,814,000,000	1,625,000,000	399,000,000		1,198,998,000,000	482,002,000,000	439,627,000,000
fees and commissions expense	-209,915,000,000	-188,274,000,000	-845,333,000,000	-21,722,000,000	-3,736,000,000	8,168,000,000	-851,495,000,000	240,495,000,000	188,525,000,000
net fees and commissions loss	522,318,000,000			-20,097,000,000	-3,337,000,000	-8,168,000,000
dividend income	72,609,000,000	85,956,000,000	240,293,000,000	1,482,956,000,000	1,469,291,000,000	677,795,000,000	74,119,000,000	16,881,000,000	9,750,000,000
net gain on financial instruments at fvtpl	-325,304,000,000	386,511,000,000	488,486,000,000	2,023,000,000	2,023,000,000
net gain on financial assets at fvtoci	47,566,000,000	18,039,000,000
net gain arising on financial assets at amortized cost	33,346,000,000	119,526,000,000	203,942,000,000
impairment losses due to credit loss	-507,809,000,000	-408,980,000,000	-1,894,916,000,000			9,000,000
general and administrative expense	-1,172,914,000,000	-1,069,320,000,000	-4,443,433,000,000
other net operating income and expense	176,822,000,000
operating income	1,108,451,000,000	1,253,320,000,000	3,499,029,000,000	1,424,670,000,000	1,457,173,000,000		2,318,882,000,000	440,118,000,000	275,196,000,000		264,848,250,000	511,683,000,000	323,359,000,000	617,129,000,000	1,893,248,000,000	470,153,000,000	564,181,000,000	440,070,000,000	1,688,299,000,000	673,536,000,000	464,635,000,000	361,937,000,000	1,290,442,000,000	109,628,500,000	258,181,000,000	410,608,000,000	331,879,000,000	-151,545,000,000	203,097,000,000	-136,891,000,000	325,592,000,000
yoy	-23.93%		50.89%	223.70%	429.50%		775.55%	-13.99%	-14.89%		-86.01%	8.83%	-42.69%	40.23%	12.14%	-30.20%	21.42%	21.59%	30.83%	514.38%	79.96%	-11.85%	288.83%	-172.34%	27.12%	-399.95%	1.93%
qoq	-11.56%	-64.18%	145.60%	-2.23%			426.88%	59.93%			-48.24%	58.24%	-47.60%	-67.40%	302.69%	-16.67%	28.20%	-73.93%	150.66%	44.96%	28.37%	-71.95%	1077.10%	-57.54%	-37.12%	23.72%	-319.00%	-174.62%	-248.36%	-142.04%
share of gain of joint ventures and associates	61,653,000,000	34,122,000,000	109,831,000,000
other non-operating income and expense	16,381,000,000	-40,540,000,000
non-operating income	78,034,000,000		18,424,000,000		-9,000,000		37,843,000,000	8,157,000,000	18,845,000,000		24,250,000	7,000,000		217,000,000	136,196,000,000	122,482,000,000	237,000,000	42,000,000	327,000,000	10,000,000	201,000,000	95,000,000	2,160,000,000	431,000,000	1,522,000,000	128,293,000,000	24,000,000	177,000,000	1,189,000,000
net income before income tax expense	1,186,485,000,000	1,246,902,000,000	3,517,453,000,000	1,423,627,000,000	1,457,164,000,000	638,130,000,000	2,356,725,000,000	448,275,000,000	294,041,000,000
income tax expense	-246,742,000,000	-285,393,000,000	-890,559,000,000		-785,000,000	1,058,000,000	-841,883,000,000	88,883,000,000	65,173,000,000		398,305,000,000	2,783,000,000														-103,830,000,000
net income	939,743,000,000	961,509,000,000	2,626,894,000,000	1,424,508,000,000	1,456,379,000,000	637,072,000,000
yoy	-35.47%	50.93%
qoq	-2.26%	-63.40%	84.41%	-2.19%	128.61%
net gain on valuation of equity securities at fvtoci	-7,234,000,000	-30,182,000,000	193,191,000,000	19,789,000,000		192,000,000
net gain on credit risk fluctuation of financial liabilities designated to be measured at fvtpl	-8,000,000	391,000,000
changes in capital due to equity method	-251,000,000	-129,000,000	8,603,000,000
remeasurement gain related to defined benefit plan	24,931,000,000	-30,991,000,000	-79,460,000,000	-873,000,000
items that will not be reclassified to profit or loss:	17,438,000,000	-60,911,000,000	122,334,000,000	18,916,000,000	7,678,000,000
net gain on valuation of debt securities at fvtoci	17,202,000,000	64,962,000,000	532,334,000,000
net gain on foreign currency translation of foreign operations	-388,415,000,000	91,896,000,000	45,080,000,000
net gain on valuation of hedges of net investments in foreign operations	70,009,000,000
net gain on valuation of cash flow hedge	-1,606,000,000	549,000,000
items that may be reclassified to profit or loss:	-304,959,000,000	131,321,000,000	541,203,000,000
other comprehensive income, net of tax	-287,521,000,000	70,410,000,000	663,537,000,000		7,678,000,000		-27,797,500,000	-111,190,000,000	21,585,000,000
total comprehensive income	652,222,000,000	1,031,919,000,000	3,290,431,000,000	1,443,424,000,000	1,464,057,000,000	636,303,000,000	62,050,500,000	248,202,000,000	250,453,000,000
net income attributable to:	939,743,000,000	961,509,000,000	2,626,894,000,000
net income attributable to owners	935,328,000,000	931,495,000,000	2,506,296,000,000				88,912,250,000	355,649,000,000
net income attributable to non-controlling interests	4,415,000,000	30,014,000,000	120,598,000,000				935,750,000	3,743,000,000
total comprehensive income attributable to:	652,222,000,000	1,031,919,000,000	3,290,431,000,000
comprehensive income attributable to owners	656,432,000,000	1,002,724,000,000	3,164,464,000,000				1,695,152,000,000	248,848,000,000	249,161,000,000
comprehensive income attributable to non-controlling interests	-4,210,000,000	29,195,000,000	125,967,000,000				15,646,000,000	-646,000,000	1,292,000,000
earnings per share
basic and diluted earnings per share	1,225	1,206	3,230	1,754	1,959		113.75	455
net fees and commissions income		555,235,000,000	1,720,481,000,000				828,493,000,000	241,507,000,000	251,102,000,000
other net operating expense		-630,543,000,000	-1,520,723,000,000
non-operating income and expense		-6,418,000,000
net income on valuation of hedges of net investments in foreign operations		-26,961,000,000	-14,049,000,000
net income on financial assets at fvtoci			-37,641,000,000
other non-operating expense			-91,407,000,000
net income on valuation of cash flow hedge			-16,524,000,000
provision of impairment losses due to credit loss				-348,000,000	-41,000,000
general and administrative expenses				-67,359,000,000	-16,445,000,000	-28,154,000,000	-2,856,770,000,000	-767,230,000,000	-808,704,000,000
non-operating expense				-1,043,000,000
income tax income				881,000,000
other comprehensive income net of tax				18,916,000,000
net loss on valuation of equity securities at fvtoci					9,024,000,000
remeasurement profit related to defined benefit plan					-1,346,000,000
operating income:						638,150,000,000
non-operating loss						-20,000,000
other comprehensive loss, net of tax						-769,000,000
items that will not be reclassified to profit or loss						-769,000,000	-107,879,000,000	-8,121,000,000	32,922,000,000
remeasurement loss related to defined benefit plan						-961,000,000
net income per share
basic and diluted income per share						854
auditor
auditor’s opinion
equity
owners’ equity:								20,458,072,000,000	18,906,058,000,000
capital stock								3,381,392,000,000	3,381,392,000,000
hybrid securities								3,883,907,000,000	3,334,002,000,000
capital surplus								294,260,000,000	294,237,000,000
other equity								-1,615,701,000,000	-1,560,816,000,000
retained earnings
non-controlling interests								131,685,000,000	116,712,000,000
total equity								20,589,757,000,000	19,022,770,000,000
total liabilities and equity								312,831,864,000,000	286,854,481,000,000
net gain on financial instruments at fair value through profit or loss							-25,590,500,000	-102,362,000,000	-7,580,000,000
net gain on available-for-sale financial assets							972,250,000	3,889,000,000	5,417,000,000
impairment losses on credit loss							-60,024,750,000	-240,099,000,000	-391,778,000,000
other net operating income							7,772,500,000	31,090,000,000	36,301,000,000
share of losses of joint ventures and associates							-1,593,750,000	-6,375,000,000
other net non-operating income							28,468,000,000	14,532,000,000	43,733,000,000
remeasurement of the net defined benefit liability							-2,030,250,000	-8,121,000,000	32,922,000,000
gain on available-for-sale financial assets							-6,986,250,000	-27,945,000,000	-20,032,000,000
share of other comprehensive gain of joint ventures and associates							-683,000,000	-2,732,000,000	-7,355,000,000
gain on foreign currency translation for foreign operations							-18,098,000,000	-72,392,000,000	16,050,000,000
gain on valuation of cashflow hedge
items that may be reclassified to net income							-25,767,250,000	-103,069,000,000	-11,337,000,000
share of profits									-24,888,000,000
net income from continuing operations									228,868,000,000
net income from discontinued operations
loss on valuation of cashflow hedge
income from continuing operations									226,077,000,000
income from discontinued operations
loss from discontinued operations
basic and diluted earnings from continuing and discontinued operations per share									274
basic and diluted earnings from continuing operations per share									274
operating revenue
gain on valuation using the equity method of accounting
reversal of allowance for doubtful account											50,000,000
royalties											4,453,250,000	17,813,000,000
operating expenses
loss on valuation using the equity method of accounting											5,460,250,000	3,414,000,000	2,531,000,000		139,000,000		412,000,000	388,000,000	26,499,000,000	391,000,000	388,000,000	-26,654,000,000	-474,516,000,000					-126,707,000,000
fees											695,000,000	644,000,000	3,162,000,000	917,000,000	7,613,000,000				6,641,000,000
provision for possible loan losses																									-3,000,000		-3,000,000
general and administrative											5,646,500,000	8,706,000,000	4,928,000,000	5,101,000,000	26,351,000,000	5,044,000,000	9,057,000,000	5,334,000,000	28,210,000,000	7,165,000,000	6,186,000,000	-4,809,000,000	-21,988,000,000	-3,531,000,000	-4,299,000,000		-5,047,000,000	-4,778,000,000	-28,550,000,000	-4,749,000,000
non-operating expenses											427,500,000	394,000,000	93,000,000	22,000,000	125,000,000		5,000,000	5,000,000	405,000,000	367,000,000	4,000,000	-8,000,000	-109,000,000	-20,250,000	-21,000,000	-108,123,000,000	-59,000,000	-1,000,000	-1,721,000,000	-520,000,000	-29,000,000
income before income tax											264,445,000,000	511,296,000,000	323,266,000,000	617,324,000,000	2,029,319,000,000	592,635,000,000	564,413,000,000	440,107,000,000	1,688,221,000,000	673,179,000,000	464,832,000,000	362,024,000,000
net income per common share
reversal of allowance for doubtful accounts													50,000,000	25,000,000	300,000,000	75,000,000	50,000,000		571,000,000	87,000,000	42,000,000	22,000,000	3,204,000,000					3,146,000,000	15,656,000,000	11,161,000,000	9,986,000,000
loss on foreign currency transactions																			1,000,000		1,000,000		-293,000,000
loss on swap contracts																			91,000,000
basic ordinary income per common share
basic net income per common share
diluted ordinary income per common share
diluted net income per common share
loss on valuation of swap contracts																						-91,000,000	-13,111,000,000	-3,110,000,000			-4,271,000,000	-9,260,000,000	-3,410,000,000	-9,165,000,000
fees and commissions																854,000,000	3,480,000,000	1,457,000,000		2,756,000,000	1,605,000,000	-1,056,000,000	-8,037,000,000	-1,268,250,000	-2,093,000,000		-1,824,000,000	-1,155,000,000	-6,704,000,000	-1,795,000,000
operating expenses - sum																32,135,000,000	39,620,000,000	35,236,000,000	179,190,000,000	39,943,000,000	36,571,000,000	-61,044,000,000	-662,975,000,000	-35,972,500,000	-44,166,000,000	-913,507,000,000	-47,983,000,000	-179,544,000,000	-193,527,000,000
gain on foreign currency transactions																							2,884,000,000					2,884,000,000
gain on foreign currency translation																							8,441,000,000					10,632,000,000	2,454,000,000	7,892,000,000
gain on valuation on investment securities																							2,630,000,000
gain on valuation of swap contracts																									1,091,000,000				17,078,000,000	7,805,000,000
loss on foreign currency translation																													-16,026,000,000	-2,409,000,000
income before income tax expense																							1,292,493,000,000				331,844,000,000		202,565,000,000		325,563,000,000
gain on foreign currencies transactions																								721,000,000
gain on foreign currencies translation																								3,045,750,000	1,144,000,000		408,000,000
reversal of allowance for possible loan losses																								785,250,000
loss on foreign currencies translation
other operating revenue
gain on trading securities
gain on redemption of available-for-sale securities																										24,172,000,000
gain on securitized assets																										324,000,000
gain on foreign exchange																										99,924,000,000
gain on derivatives																										506,911,000,000
trust management fees																										11,123,000,000
reversal of allowance for possible losses																										13,806,000,000
other																										1,061,000,000
interest on deposits																										-646,974,000,000
interest on borrowings																										-81,506,000,000
interest on debentures																										-171,921,000,000
interest on others																										-13,106,000,000
other operating expenses
commissions
loss on trading securities																										-45,036,000,000
loss on redemption of available-for-sale securities																										-644,000,000
loss on foreign exchange																										-124,525,000,000
loss on derivatives																										-452,088,000,000
subsidy for trust accounts adjustment																										-947,000,000
loss on securitized assets
provision for possible losses																										-222,641,000,000
salaries, employee benefits and provision for severance benefits																										-283,723,000,000
rent																										-12,776,000,000
expenditure for business purpose																										-10,394,000,000
depreciation and amortization																										-55,967,000,000
taxes and dues																										-20,194,000,000
advertising																										-9,974,000,000
telecommunications																										-13,330,000,000
service fees																										-21,394,000,000
it operating expenses																										-30,080,000,000
stock compensation
other administrative expenses																										-18,899,000,000
other expense																										-66,195,000,000
ordinary income																										430,778,000,000
extraordinary gains
income before income tax expense and minority interests																										430,778,000,000
income before minority interests																										326,948,000,000
operating revenue - sum																												27,999,000,000		43,783,000,000
basic ordinaryincome per common share
bad debt expense
operating expenses interest expense																															-34,687,000,000

Balance Sheets:

Quarterly

Annual

Unit: USD	2025-11-14	2025-08-14	2025-05-15	2024-11-14	2024-08-14	2024-05-16	2024-03-14	2024-03-06	2024-02-29	2023-11-14	2023-08-14	2023-05-16	2022-03-17	2021-03-18	2020-08-14	2017-11-14	2016-11-14	2015-08-17	2011-12-31	2010-12-31	2007-12-31	2007-11-14	2007-08-14	2007-03-30	2006-08-11	2006-03-30	2005-12-31	2005-11-14	2005-03-31	2004-12-31	2003-12-31

assets
cash and cash equivalents	29,232,549,000,000	30,008,499,000,000	25,607,511,000,000	33,485,919,000,000	25,471,632,000,000	31,934,284,000,000	30,556,618,000,000	30,556,618,000,000	289,507,000,000	25,891,826,000,000	21,690,361,000,000	30,987,076,000,000	7,565,818,000,000	9,990,983,000,000	9,437,619,000,000	6,812,489,000,000	8,281,510,000,000	4,958,561,000,000	6,417,123,000,000	15,957,641,000,000
financial assets at fair value through profit or loss	32,610,872,000,000	20,919,935,000,000	23,861,998,000,000	22,124,297,000,000	23,309,282,000,000	23,192,488,000,000	21,544,756,000,000	21,544,756,000,000		22,523,887,000,000	21,408,298,000,000	21,421,279,000,000	13,497,234,000,000	14,762,941,000,000	10,067,062,000,000	4,609,487,000,000	5,717,809,000,000	4,703,812,000,000	25,600,231,000,000
financial assets at fair value through other comprehensive income	74,302,374,000,000	39,407,940,000,000	43,011,641,000,000	36,699,049,000,000	38,875,628,000,000	35,987,201,000,000	37,891,495,000,000	37,891,495,000,000	539,709,000,000	36,547,898,000,000	34,904,105,000,000	33,747,133,000,000	39,119,789,000,000	30,028,929,000,000	29,612,408,000,000
securities at amortized cost	18,676,341,000,000	18,762,707,000,000	19,064,424,000,000	19,169,176,000,000	22,408,759,000,000	23,129,662,000,000	23,996,172,000,000	23,996,172,000,000		25,236,507,000,000	25,949,620,000,000	27,284,525,000,000	17,086,274,000,000	17,020,839,000,000	18,610,602,000,000
loans and other financial assets at amortized cost	418,157,321,000,000	413,452,761,000,000	409,496,153,000,000	420,559,585,000,000	387,374,084,000,000	379,448,788,000,000	373,148,148,000,000	373,148,148,000,000	1,104,815,000,000	365,462,488,000,000	369,016,226,000,000	355,155,285,000,000	361,932,872,000,000	320,106,078,000,000	306,418,069,000,000
investments in joint ventures and associates	2,069,961,000,000	1,776,364,000,000	1,748,778,000,000	1,843,741,000,000	1,899,281,000,000	1,988,060,000,000	1,795,370,000,000	1,795,370,000,000		1,756,741,000,000	1,621,670,000,000	1,483,043,000,000	1,335,167,000,000	993,291,000,000	928,161,000,000	557,860,000,000	419,532,000,000	673,573,000,000
insurance contracts
reinsurance contracts	587,980,000,000
investment properties	1,012,162,000,000	425,820,000,000	459,539,000,000	438,753,000,000	495,032,000,000	474,861,000,000	472,768,000,000	472,768,000,000		471,748,000,000	474,333,000,000	489,219,000,000	389,495,000,000	387,464,000,000	312,806,000,000	361,355,000,000	368,063,000,000	380,570,000,000	498,999,000,000
premises and equipment	3,699,909,000,000	3,294,863,000,000	3,358,169,000,000	3,385,919,000,000	3,306,955,000,000	3,180,944,000,000	3,176,759,000,000			3,140,716,000,000	3,133,215,000,000	3,149,085,000,000	3,174,720,000,000	3,287,198,000,000	3,311,009,000,000	2,490,725,000,000	2,437,926,000,000	2,445,448,000,000	3,134,472,000,000	2,469,368,000,000							2,060,000,000,000			2,110,000,000,000	2,151,000,000,000
intangible assets and goodwill	1,081,854,000,000		1,097,934,000,000	1,067,763,000,000			996,842,000,000			984,723,000,000	989,476,000,000	960,296,000,000	785,386,000,000	792,077,000,000		524,914,000,000	418,543,000,000	431,279,000,000	447,891,000,000
assets held for sale	191,475,000,000	188,764,000,000	74,123,000,000	48,022,000,000	35,333,000,000	53,141,000,000	20,345,000,000	20,345,000,000		18,982,000,000	17,796,000,000	13,866,000,000	26,327,000,000	60,002,000,000	9,614,000,000	2,909,000,000	14,445,000,000	11,583,000,000	56,243,000,000								49,000,000,000			26,000,000,000
net defined benefit asset	2,025,000,000	2,626,000,000	2,236,000,000	104,419,000,000	111,599,000,000	187,604,000,000	240,260,000,000	240,260,000,000	3,941,000,000	322,314,000,000	302,581,000,000	167,570,000,000	21,346,000,000	5,658,000,000
current tax assets	158,502,000,000	43,745,000,000	57,146,000,000	64,227,000,000	69,325,000,000	117,553,000,000	203,542,000,000	203,542,000,000	158,951,000,000	50,605,000,000	42,965,000,000	16,672,000,000	22,598,000,000	75,655,000,000	39,230,000,000	4,105,000,000	5,484,000,000	37,300,000,000	56,570,000,000
deferred tax assets	485,670,000,000	53,720,000,000	34,648,000,000	69,078,000,000	49,904,000,000	49,432,000,000	93,366,000,000	93,366,000,000	7,478,000,000	75,729,000,000	75,794,000,000	24,988,000,000	31,131,000,000	46,088,000,000	39,440,000,000	258,031,000,000	145,363,000,000	149,044,000,000	79,980,000,000
derivative assets	244,414,000,000	121,375,000,000	182,420,000,000	69,673,000,000	85,106,000,000	62,837,000,000	26,708,000,000	26,708,000,000		64,736,000,000	70,980,000,000	64,376,000,000	106,764,000,000	174,820,000,000	249,880,000,000	109,828,000,000	273,499,000,000	202,732,000,000	326,840,000,000
other assets	4,443,001,000,000	4,587,177,000,000	4,639,544,000,000	4,575,576,000,000	4,263,954,000,000	3,960,722,000,000	3,841,787,000,000	3,841,787,000,000	484,000,000	3,368,100,000,000	3,214,199,000,000	3,114,842,000,000	2,088,950,000,000	1,348,994,000,000	221,096,000,000	215,383,000,000	212,405,000,000	154,135,000,000	377,059,000,000	831,924,000,000	42,615,000,000	83,242,000,000	61,168,000,000	61,973,000,000	61,868,000,000	66,428,000,000	3,223,000,000,000	39,862,000,000	36,046	3,128,000,000,000	2,850,000,000,000
total assets	586,956,410,000,000	534,112,776,000,000	532,696,264,000,000	543,705,197,000,000	508,781,165,000,000	504,767,398,000,000	498,004,936,000,000	498,004,936,000,000	25,786,022,000,000	485,917,000,000,000	482,911,619,000,000	478,079,255,000,000	447,183,871,000,000	399,081,017,000,000	380,077,376,000,000	317,875,162,000,000	312,831,864,000,000	286,854,481,000,000	312,791,649,000,000	272,937,958,000,000	14,243,181,000,000	15,911,481,000,000	14,674,216,000,000	13,793,521,000,000	12,785,214,000,000	12,031,783,000,000		11,592,897,000,000	9,736,449
liabilities																						2,630,286,000,000	1,859,603,000,000
financial liabilities at fvtpl	5,124,693,000,000		8,504,791,000,000	5,562,845,000,000			6,138,313,000,000			8,741,490,000,000	8,533,801,000,000	9,021,513,000,000	4,873,458,000,000	6,813,822,000,000	4,031,235,000,000
deposits due to customers	370,070,833,000,000	369,477,799,000,000	368,475,940,000,000	383,063,074,000,000	359,302,549,000,000	355,053,538,000,000	357,784,297,000,000	357,784,297,000,000		335,613,186,000,000	333,713,217,000,000	325,922,030,000,000	317,899,871,000,000	291,477,279,000,000	276,967,229,000,000	226,344,233,000,000	220,465,585,000,000	198,475,555,000,000	195,930,482,000,000
borrowings	28,812,050,000,000	31,418,274,000,000	30,378,783,000,000	31,496,518,000,000	30,315,001,000,000	30,162,465,000,000	30,986,746,000,000	30,986,746,000,000		31,454,219,000,000	30,545,104,000,000	30,963,552,000,000	24,755,459,000,000	20,745,466,000,000	21,263,126,000,000	16,314,499,000,000	17,220,127,000,000	19,417,660,000,000	34,666,709,000,000			270,000,000,000							120,000
debentures	52,182,652,000,000	49,166,841,000,000	46,952,728,000,000	46,702,167,000,000	42,102,432,000,000	41,695,718,000,000	41,239,245,000,000	41,239,245,000,000	1,587,659,000,000	42,035,290,000,000	42,613,485,000,000	42,206,757,000,000	44,653,864,000,000	37,479,358,000,000	31,029,872,000,000	27,537,013,000,000	23,193,170,000,000	23,235,637,000,000	29,265,833,000,000			2,347,083,000,000	1,848,198,000,000	1,847,591,000,000	2,146,924,000,000	2,296,203,000,000		2,595,738,000,000	2,154,636
provisions	692,298,000,000	620,545,000,000	612,004,000,000	621,504,000,000	634,578,000,000	652,147,000,000	806,031,000,000	806,031,000,000	1,227,000,000	607,493,000,000	609,311,000,000	528,101,000,000	576,134,000,000	501,643,000,000	551,389,000,000	401,185,000,000	420,844,000,000	570,504,000,000	892,308,000,000
net defined benefit liability	224,209,000,000	25,284,000,000	39,940,000,000	7,175,000,000	4,375,000,000	3,057,000,000	6,939,000,000	6,939,000,000		43,200,000,000	39,723,000,000	36,449,000,000	47,986,000,000	52,237,000,000	146,325,000,000	26,433,000,000	70,092,000,000	51,474,000,000
current tax liabilities	654,957,000,000	604,383,000,000	260,508,000,000	336,849,000,000	145,887,000,000	76,780,000,000	103,655,000,000	103,655,000,000	32,125,000,000	139,843,000,000	155,068,000,000	843,313,000,000	584,491,000,000	370,718,000,000	102,278,000,000	249,960,000,000	47,743,000,000	28,178,000,000	274,257,000,000
deferred tax liabilities	546,859,000,000	550,179,000,000	775,165,000,000	672,961,000,000	653,876,000,000	499,967,000,000	470,311,000,000	470,311,000,000		443,124,000,000	390,767,000,000	221,234,000,000	186,946,000,000	160,250,000,000	200,263,000,000	22,303,000,000	20,110,000,000	18,844,000,000	260,431,000,000
derivative liabilities	397,188,000,000	75,869,000,000	85,618,000,000	91,960,000,000	150,585,000,000	185,554,000,000	153,007,000,000	153,007,000,000		235,789,000,000	216,680,000,000	175,362,000,000	27,584,000,000	64,769,000,000	15,022,000,000	41,619,000,000	25,175,000,000	1,856,000,000	33,493,000,000
other financial liabilities	42,604,856,000,000	40,613,948,000,000	40,260,070,000,000	38,107,983,000,000	32,033,007,000,000	34,245,409,000,000	26,115,005,000,000	26,115,005,000,000	163,621,000,000	32,630,098,000,000	32,718,181,000,000	34,785,419,000,000	24,171,030,000,000	14,215,817,000,000	19,635,458,000,000	23,529,630,000,000	26,725,880,000,000	22,491,018,000,000	19,083,709,000,000
other liabilities	847,889,000,000	755,873,000,000	827,715,000,000	839,756,000,000	775,472,000,000	820,191,000,000	803,897,000,000	803,897,000,000	392,000,000	751,881,000,000	685,018,000,000	771,912,000,000	556,853,000,000	473,813,000,000	383,491,000,000	323,213,000,000	327,632,000,000	283,720,000,000	569,783,000,000	5,019,935,000,000	12,764,000,000	13,203,000,000	11,406,000,000	12,857,000,000	13,382,000,000	18,216,000,000	4,379,000,000,000	10,347,000,000	25,355	2,862,000,000,000	3,218,000,000,000
total liabilities	549,804,902,000,000	498,397,258,000,000	497,173,262,000,000	507,502,792,000,000	473,633,551,000,000	470,843,055,000,000	464,607,446,000,000	464,607,446,000,000	1,785,024,000,000	452,695,613,000,000	450,220,355,000,000	445,475,642,000,000	418,333,676,000,000	372,355,172,000,000	354,325,688,000,000	297,258,194,000,000	292,242,107,000,000	267,831,711,000,000	290,718,255,000,000	258,684,400,000,000	2,129,353,000,000	2,630,286,000,000	1,859,604,000,000	1,860,448,000,000	2,160,306,000,000	2,314,419,000,000	146,583,000,000,000	2,606,085,000,000	2,299,991	124,412,000,000,000	123,728,000,000,000
equity																						13,281,195,000,000	12,814,612,000,000
owners’ equity:	35,355,603,000,000		33,727,777,000,000	33,752,942,000,000			31,666,881,000,000			31,585,201,000,000	30,244,672,000,000	29,659,667,000,000	25,842,019,000,000	23,053,608,000,000	22,301,193,000,000	20,450,563,000,000	20,458,072,000,000	18,906,058,000,000	17,523,998,000,000
capital stock	3,802,676,000,000	3,802,676,000,000	3,802,676,000,000	3,802,676,000,000	3,802,676,000,000	3,802,676,000,000	3,802,676,000,000	3,802,676,000,000	3,802,676,000,000	3,802,676,000,000	3,640,303,000,000	3,640,303,000,000	3,640,303,000,000	3,611,338,000,000	3,611,338,000,000	3,381,392,000,000	3,381,392,000,000	3,381,392,000,000	4,030,077,000,000
hybrid securities	3,510,947,000,000	3,510,947,000,000	3,411,343,000,000	3,910,294,000,000	4,409,042,000,000	4,010,141,000,000	3,611,129,000,000	3,611,129,000,000	3,610,953,000,000	3,611,129,000,000	3,411,676,000,000	3,411,676,000,000	2,294,381,000,000	1,895,366,000,000	1,695,821,000,000	3,017,888,000,000	3,883,907,000,000	3,334,002,000,000	309,010,000,000
capital surplus	934,285,000,000	934,351,000,000	934,100,000,000	935,620,000,000	937,826,000,000	927,660,000,000	935,563,000,000	935,563,000,000	11,120,236,000,000	935,026,000,000	685,427,000,000	680,517,000,000	682,385,000,000	626,111,000,000	627,625,000,000	287,066,000,000	294,260,000,000	294,237,000,000	175,768,000,000			84,488,000,000	84,488,000,000	84,488,000,000	84,488,000,000	84,488,000,000		84,488,000,000	84,356
other equity	-1,537,308,000,000	-1,806,515,000,000	-1,402,861,000,000	-1,534,504,000,000	-1,598,997,000,000	-1,673,963,000,000	-1,668,957,000,000	-1,668,957,000,000	-7,871,000,000	-1,951,419,000,000	-1,944,858,000,000	-1,932,498,000,000	-2,167,614,000,000	-2,347,472,000,000	-2,285,790,000,000	-1,759,299,000,000	-1,615,701,000,000	-1,560,816,000,000	586,421,000,000
retained earnings	28,645,003,000,000	27,734,027,000,000	26,982,519,000,000	26,638,856,000,000	25,916,022,000,000	25,157,273,000,000	24,986,470,000,000	24,986,470,000,000	5,475,004,000,000	25,187,789,000,000	24,452,124,000,000	23,859,669,000,000	21,392,564,000,000	19,268,265,000,000	18,652,199,000,000	15,523,516,000,000	14,514,214,000,000	13,457,243,000,000	12,422,722,000,000	4,608,572,000,000		6,941,949,000,000	6,617,788,000,000	5,597,546,000,000	4,573,837,000,000	3,891,963,000,000		3,704,558,000,000	2,359,422
non-controlling interests	1,795,905,000,000	1,540,032,000,000	1,795,225,000,000	2,449,463,000,000	1,681,045,000,000	1,700,556,000,000	1,730,609,000,000	1,730,609,000,000		1,636,186,000,000	2,446,592,000,000	2,943,946,000,000	3,008,176,000,000	3,672,237,000,000	3,450,495,000,000	166,405,000,000	131,685,000,000	116,712,000,000	4,549,396,000,000
total equity	37,151,508,000,000	35,715,518,000,000	35,523,002,000,000	36,202,405,000,000	35,147,614,000,000	33,924,343,000,000	33,397,490,000,000	33,397,490,000,000	24,000,998,000,000	33,221,387,000,000	32,691,264,000,000	32,603,613,000,000	28,850,195,000,000	26,725,845,000,000	25,751,688,000,000	20,616,968,000,000	20,589,757,000,000	19,022,770,000,000	22,073,394,000,000	14,253,558,000,000
total liabilities and equity	586,956,410,000,000	534,112,776,000,000	532,696,264,000,000	543,705,197,000,000	508,781,165,000,000	504,767,398,000,000	498,004,936,000,000	498,004,936,000,000	25,786,022,000,000	485,917,000,000,000	482,911,619,000,000	478,079,255,000,000	447,183,871,000,000	399,081,017,000,000	380,077,376,000,000	317,875,162,000,000	312,831,864,000,000	286,854,481,000,000	312,791,649,000,000	272,937,958,000,000
number of consolidated subsidiaries	207,000,000		183,000,000	188,000,000			179,000,000			175,000,000	168,000,000	165,000,000	152,000,000	131,000,000	104,000,000	68,000,000	71,000,000	70,000,000
intangible assets		1,066,480,000,000			1,025,291,000,000	999,821,000,000		996,842,000,000	4,052,000,000						820,380,000,000
financial liabilities at fair value through profit or loss		5,088,263,000,000			7,515,789,000,000	7,448,229,000,000		6,138,313,000,000								2,468,106,000,000	3,725,749,000,000	3,257,265,000,000	9,621,546,000,000
owners’ equity
property, plant and equipment								3,176,759,000,000	6,609,000,000
investments in subsidiaries									23,670,476,000,000
available-for-sale financial assets																18,624,588,000,000	19,495,352,000,000	18,657,775,000,000	19,671,924,000,000
held-to-maturity financial assets																16,325,482,000,000	13,853,700,000,000	14,328,789,000,000	20,036,128,000,000
loans and receivables																266,972,072,000,000	261,188,233,000,000	239,719,880,000,000	235,159,956,000,000
net defined benefit assets																5,934,000,000
disposal group held for sale
disposal group held for distribution to owners
liabilities directly associated with disposal group held for sale
liabilities directly associated with disposal group held for distribution to owners
equity directly associated with disposal group held for sale
equity directly associated with disposal group held for distribution to owners
investments in jointly controlled entities and associates																			928,233,000,000
retirement benefit obligation																			119,704,000,000
restricted cash																				478,167,000,000							376,000,000,000			2,392,000,000,000	3,222,000,000,000
interest bearing deposits in other banks																				2,874,620,000,000
call loans and securities purchased under resale agreements																				4,464,814,000,000							1,426,000,000,000			1,499,000,000,000	1,127,000,000,000
trading assets:
korea deposit insurance corporation																				20,782,000,000
unrelated parties																				13,079,322,000,000
available-for-sale securities:
held-to-maturity securities																											9,638,000,000,000			8,406,000,000,000	9,801,000,000,000
other investment assets																				2,601,124,000,000							1,397,000,000,000			1,138,000,000,000	793,000,000,000
loans																							9,950,000,000	49,750,000,000	99,500,000,000	109,450,000,000	102,630,000,000,000	186,851,000,000	218,641	88,705,000,000,000	85,587,000,000,000
directors																				263,000,000
employees																				239,373,000,000
due from customers on acceptances																				667,204,000,000							355,000,000,000			338,000,000,000	421,000,000,000
accrued interest and dividends receivable																				1,028,030,000,000							703,000,000,000			558,000,000,000	747,000,000,000
assets held-for-sale																				135,129,000,000
goodwill																				88,410,000,000							48,000,000,000			22,000,000,000	25,000,000,000
other intangible assets																				98,152,000,000
other assets:
trust																				7,067,000,000
assets of consolidated vies that can only be used to settle obligations of the consolidated vies
investments																				3,402,647,000,000
loans, net of allowance for loan losses																				706,852,000,000
total assets of consolidated vies																				4,941,423,000,000
deposits:
interest bearing																				180,206,653,000,000
non-interest bearing																				6,118,985,000,000											3,521,000,000,000
call money																				4,649,652,000,000							326,000,000,000			689,000,000,000	412,000,000,000
trading liabilities																				3,337,199,000,000							1,339,000,000,000			1,628,000,000,000	473,000,000,000
acceptances outstanding																				667,204,000,000							355,000,000,000			338,000,000,000	421,000,000,000
other borrowed funds:
secured borrowings																				3,998,070,000,000							2,557,000,000,000			2,352,000,000,000	4,321,000,000,000
long-term debt																				39,486,929,000,000	2,116,679,000,000						21,850,000,000,000			15,662,000,000,000	14,917,000,000,000
accrued interest and payable																				2,817,990,000,000
commitments and contingencies
stockholders’ equity																					12,113,828,000,000
common stock																				4,030,077,000,000		4,030,077,000,000	4,030,077,000,000	4,030,077,000,000	4,030,077,000,000	4,030,077,000,000		4,030,077,000,000	3,982,278
additional paid-in capital																				4,966,058,000,000
accumulated other comprehensive income, net of tax																				363,444,000,000
less: treasury stock, at cost, 2,560 and 2,561 shares at 2009 and 2010																				-18,000,000
total stockholders’ equity																				13,968,133,000,000							8,321,000,000,000			6,464,000,000,000	3,656,000,000,000
noncontrolling interest																				285,425,000,000
interest bearing deposits in other banks:
bank subsidiaries																					32,502,000,000
investment in subsidiaries:
non-bank subsidiaries																					1,334,548,000,000
total liabilities and stockholders’ equity																					14,243,181,000,000
debt ratio																						19,800,000	14,510,000
items																						2,007,000,000	2,007,000,000
cash and due from banks																						581,288,000,000	124,992,000,000	89,724,000,000	347,140,000,000	104,072,000,000		418,179,000,000	56,099
securities																						15,246,440,000,000	14,477,518,000,000	13,591,413,000,000	12,276,581,000,000	11,751,678,000,000		10,947,829,000,000	9,425,381
tangible assets																						511,000,000	588,000,000
capital adjustment																						-18,000,000	-18,000,000	2,220,962,000,000	1,936,506,000,000	1,710,836,000,000		1,167,690,000,000	1,010,402
other comprehensive income																						2,224,699,000,000	2,082,277,000,000
total stockholder’s equity																						13,281,195,000,000	12,814,612,000,000	11,933,073,000,000	10,624,908,000,000	9,717,364,000,000		8,986,812,000,000	7,436,458
operating income																						1,922,154,000,000	1,562,425,000,000	2,031,610,000,000					1,953,418
operating profit																						1,827,450,000,000	1,504,091,000,000	1,893,248,000,000	1,004,250,000,000	1,688,299,000,000		1,500,107,000,000	1,290,443
net profit before tax																						1,827,612,000,000	1,504,346,000,000
net profit																						1,827,612,000,000	1,504,346,000,000	2,029,318,000,000	1,004,520,000,000	1,688,221,000,000		1,500,034,000,000	1,292,493
fixed assets																								661,000,000	125,000,000	155,000,000		176,000,000	282
operating expenses																								138,362,000,000					662,975
ordinary income																								2,029,318,000,000	1,004,520,000,000	1,688,221,000,000		1,500,034,000,000	1,292,493
operating income*																									1,079,106,000,000	1,867,488,000,000		1,637,665,000,000
operating expenses *																									74,856,000,000	179,189,000,000		137,558,000,000
interest-earning deposits in other banks																											1,553,000,000,000			990,000,000,000	1,640,000,000,000
trading assets																											4,889,000,000,000			6,989,000,000,000	4,291,000,000,000
available-for-sale securities																											18,288,000,000,000			12,302,000,000,000	12,408,000,000,000
deposits
interest-bearing
non-interest-bearing																											4,538,000,000,000			3,714,000,000,000
total deposits																											104,147,000,000,000			90,053,000,000,000	89,003,000,000,000
other borrowed funds																											9,909,000,000,000			9,115,000,000,000	9,345,000,000,000
accrued interest payable																											1,721,000,000,000			1,713,000,000,000	1,618,000,000,000
liabilities held for sale
minority interest																											11,000,000,000			38,000,000,000	229,000,000,000
total liabilities, minority interest and stockholders’ equity

Cashflow Statements:

Quarterly

Annual

Unit: USD	2025-11-14	2025-08-14	2025-05-15	2024-11-14	2024-08-14	2024-05-16	2024-03-06	2024-02-29	2023-11-14	2023-08-14	2023-05-16	2020-08-14	2019-06-30	2019-03-31	2017-11-14	2010-11-01	2007-11-14	2007-08-14	2007-03-30	2006-08-11	2006-05-12	2006-03-30	2005-12-31	2005-08-16	2005-05-16	2005-03-31	2004-12-31	2004-11-12	2004-08-13	2004-05-14	2004-03-30	2003-11-14

cash flows from operating activities :
net income	2,885,803,000,000	1,594,299,000,000	654,556,000,000	2,717,398,000,000	1,800,420,000,000	838,911,000,000	2,626,894,000,000	2,626,894,000,000	2,531,928,000,000	1,613,812,000,000	1,456,379,000,000	774,033,000,000			863,622,000,000
adjustments to net income:
income tax expense	694,331,000,000	456,781,000,000	210,039,000,000	874,171,000,000	590,439,000,000	305,046,000,000	890,559,000,000	890,559,000,000	863,384,000,000	534,721,000,000	785,000,000	259,816,000,000			250,390,000,000
interest income	-15,785,652,000,000	-10,419,776,000,000	-5,305,169,000,000	-16,416,730,000,000	-10,887,876,000,000	-5,469,501,000,000	-20,641,554,000,000	-20,641,554,000,000	-15,217,149,000,000	-9,977,877,000,000	-13,706,000,000	-4,916,003,000,000			-1,994,936,000,000									-561,000,000
interest expense	9,055,065,000,000	5,905,968,000,000	3,053,178,000,000	9,802,138,000,000	6,492,777,000,000	3,271,298,000,000	11,899,014,000,000	11,899,014,000,000	8,617,202,000,000	5,564,884,000,000	8,024,000,000	1,975,154,000,000			410,552,000,000	2,279,000,000	947,000,000	607,000,000	1,388,000,000	367,000,000	355,000,000	1,992,000,000		405,000,000	680,000,000	10,438,000,000		-225,000,000	34,000,000	2,988,000,000	11,196,000,000
dividend income	-279,860,000,000	-142,433,000,000	-69,824,000,000	-203,493,000,000	-152,738,000,000	-66,782,000,000	-240,293,000,000	-240,293,000,000	-152,758,000,000	-92,005,000,000	-1,469,291,000,000	-71,002,000,000			-45,475,000,000					37,625,000,000								388,931,000,000
additions of expenses not involving cash outflows:
insurance service expense	472,399,000,000
other insurance finance expense	178,705,000,000
loss on financial assets at fvtoci	7,218,000,000	4,306,000,000	18,000,000	4,609,000,000	345,000,000		46,335,000,000	46,335,000,000	9,781,000,000	7,160,000,000		344,000,000
impairment loss due to credit loss	1,518,969,000,000	943,310,000,000	435,501,000,000	1,253,770,000,000	775,492,000,000	366,512,000,000	1,894,916,000,000	1,894,916,000,000	1,078,580,000,000	817,815,000,000		446,679,000,000
loss on other provisions	48,057,000,000	16,570,000,000	2,400,000,000	34,549,000,000	20,650,000,000	12,207,000,000	99,444,000,000	99,444,000,000				169,349,000,000
retirement benefit	145,447,000,000	98,078,000,000	36,183,000,000	96,738,000,000	64,350,000,000	32,118,000,000	113,435,000,000	113,435,000,000	85,023,000,000	56,429,000,000	907,000,000	86,185,000,000
depreciation and amortization	933,660,000,000	618,737,000,000	309,434,000,000	858,165,000,000	564,151,000,000	275,993,000,000	993,176,000,000	993,176,000,000	729,278,000,000	489,010,000,000	1,785,000,000	266,837,000,000			56,443,000,000
loss on foreign currency translation										400,189,000,000																					16,026,000,000
loss on derivatives	362,503,000,000	111,521,000,000	3,734,000,000	777,000,000	44,299,000,000	43,316,000,000	35,583,000,000	35,583,000,000	68,426,000,000	31,384,000,000		9,324,000,000
loss on fair value hedge	76,971,000,000	59,901,000,000	45,158,000,000	95,686,000,000	29,253,000,000	8,948,000,000	72,601,000,000	72,601,000,000	24,162,000,000	10,033,000,000		108,090,000,000
loss on valuation of investments in joint ventures and associates	12,548,000,000	12,714,000,000	6,190,000,000	12,891,000,000	12,250,000,000	9,340,000,000	22,710,000,000	22,709,000,000	6,949,000,000	3,609,000,000		11,731,000,000
loss on disposal of investments in joint ventures and associates	337,000,000	241,000,000	191,000,000	432,000,000	438,000,000	9,000,000	588,000,000	588,000,000	339,000,000
loss on disposal of premises and equipment, intangible assets and other assets	2,623,000,000	1,060,000,000	387,000,000	1,470,000,000	1,313,000,000	843,000,000			1,703,000,000	1,174,000,000		821,000,000
impairment loss on premises and equipment, intangible assets and other assets	39,588,000,000	382,000,000	282,000,000	1,363,000,000	1,362,000,000	1,271,000,000			69,000,000	6,000,000		8,254,000,000
other operating expense	773,000,000
deductions of income not involving cash inflows:
insurance income	528,129,000,000
other insurance finance income	40,000,000
gain on financial instruments at fvtpl	751,148,000,000	194,476,000,000	373,656,000,000	576,610,000,000	440,690,000,000	132,871,000,000			318,970,000,000	366,972,000,000
gain on financial assets at fvtoci	131,858,000,000	85,129,000,000	33,275,000,000	86,336,000,000	38,860,000,000	20,476,000,000	8,694,000,000	8,694,000,000	7,913,000,000	6,762,000,000		11,371,000,000
gain on other provisions	676,000,000	511,000,000	297,000,000	21,963,000,000	11,893,000,000	2,565,000,000	19,781,000,000	19,781,000,000	4,002,000,000	2,596,000,000		124,000,000
foreign exchange gain	685,020,000,000
gain on derivatives	168,032,000,000	85,237,000,000	59,068,000,000	112,323,000,000	83,926,000,000	46,788,000,000	114,875,000,000	114,875,000,000	81,036,000,000	62,328,000,000		132,356,000,000
gain on fair value hedge	7,459,000,000	3,887,000,000	2,067,000,000	1,016,000,000	42,020,000,000	39,890,000,000	8,986,000,000	8,986,000,000
gain on valuation of investments in joint ventures and associates	99,338,000,000	84,403,000,000	16,226,000,000	68,466,000,000	51,881,000,000	14,849,000,000	132,541,000,000	132,541,000,000	106,673,000,000	74,592,000,000		35,683,000,000
gain on disposal of investments in joint ventures and associates	1,795,000,000	422,000,000	16,000,000	17,855,000,000	671,000,000	312,000,000	33,123,000,000	33,123,000,000	32,817,000,000	22,985,000,000					-19,272,000,000
gain on disposal of premises and equipment, intangible assets and other assets	35,662,000,000	16,165,000,000	375,000,000	3,401,000,000	2,611,000,000	299,000,000			3,513,000,000	3,372,000,000		6,575,000,000
reversal of impairment loss on premises and equipment, intangible assets and other assets	916,000,000	919,000,000	20,000,000	62,000,000	23,000,000	20,000,000			264,000,000	263,000,000		55,000,000
bargain purchase gain	581,010,000,000
changes in operating assets and liabilities:
reinsurance contract assets	3,594,000,000
financial instruments at fvtpl	1,100,914,000,000	170,127,000,000	669,055,000,000	-18,667,000,000	253,255,000,000	429,527,000,000	-1,715,646,000,000	-1,730,372,000,000	-1,044,019,000,000	-499,873,000,000		-167,347,000,000
loans and other financial assets at amortized cost	-14,270,172,000,000	-19,252,504,000,000	-11,084,919,000,000	-48,036,782,000,000	-12,358,725,000,000	-5,154,266,000,000	-18,598,117,000,000	-18,597,970,000,000	-8,010,400,000,000	-12,469,043,000,000	265,000,000	-12,171,466,000,000
other assets	-564,992,000,000	-424,306,000,000	-197,519,000,000	-1,054,376,000,000	-778,289,000,000	-395,578,000,000	-1,264,071,000,000	-1,264,071,000,000	-670,284,000,000	-407,581,000,000	-196,000,000	-56,319,000,000			-78,018,000,000
insurance contract liabilities	285,505,000,000
reinsurance contract liabilities	-7,862,000,000
deposits due to customers	1,571,968,000,000	5,913,514,000,000	1,592,216,000,000	24,139,967,000,000	-1,170,406,000,000	-4,291,223,000,000	15,176,465,000,000	14,382,663,000,000	-8,464,502,000,000	-9,604,576,000,000		11,526,133,000,000			-4,627,419,000,000
provisions	-15,616,000,000	-845,000,000	26,495,000,000	-189,224,000,000	-173,798,000,000	-172,871,000,000	136,521,000,000	134,790,000,000	-25,671,000,000	-9,347,000,000		-90,706,000,000			-12,287,000,000
net defined benefit liability	118,862,000,000	-55,953,000,000	-12,886,000,000		-3,029,000,000	-7,009,000,000	-172,759,000,000	-172,758,000,000	-121,509,000,000	-118,778,000,000	740,000,000	-67,202,000,000			133,886,000,000
other financial liabilities	10,334,978,000,000	8,534,068,000,000	7,407,502,000,000	10,696,733,000,000	4,865,450,000,000	7,224,396,000,000	2,225,382,000,000	2,030,994,000,000	8,030,916,000,000	8,706,870,000,000	-8,375,000,000	1,929,411,000,000			-4,529,615,000,000
other liabilities	19,913,000,000	-29,395,000,000	32,374,000,000	28,688,000,000	-38,840,000,000	10,113,000,000	95,559,000,000	95,559,000,000	36,691,000,000	-31,945,000,000	2,087,000,000	-38,327,000,000			118,856,000,000
interest income received	14,820,578,000,000	10,201,240,000,000	5,249,474,000,000	16,699,317,000,000	10,801,148,000,000	5,448,781,000,000	20,416,107,000,000	20,416,107,000,000	14,717,780,000,000	9,843,046,000,000	12,499,000,000	5,052,912,000,000	2,631,466,000,000	2,477,172,000,000	2,015,745,000,000
interest expense paid	-8,689,621,000,000	-5,554,474,000,000	-2,966,081,000,000	-8,606,952,000,000	-5,817,727,000,000	-3,028,527,000,000	-10,626,911,000,000	-10,626,911,000,000	-6,869,114,000,000	-4,409,693,000,000	-7,843,000,000	-2,268,755,000,000	-1,092,079,000,000	-1,028,708,000,000	-150,401,000,000
dividends received	279,498,000,000	142,519,000,000	55,405,000,000	186,547,000,000	137,822,000,000	25,489,000,000	202,257,000,000	202,257,000,000	129,585,000,000	92,229,000,000	1,457,543,000,000	71,134,000,000	36,474,000,000	28,215,000,000	47,879,000,000	407,130,000,000
income tax paid	-497,661,000,000	-264,346,000,000	-107,726,000,000	-285,752,000,000	-121,314,000,000	-130,868,000,000	-1,539,605,000,000	-1,539,605,000,000	-1,269,802,000,000	-925,629,000,000	-543,000,000	-236,188,000,000	-202,578,000,000	-69,706,000,000	35,300,000,000
net cash from operating activities	1,868,288,000,000	-2,506,650,000,000									1,439,078,000,000		3,979,194,000,000	-1,424,238,000,000	-960,606,000,000	205,973,000,000	449,723,000,000	478,982,000,000	644,776,000,000	5,319,000,000	696,144,000,000	-130,506,000,000	5,155,562,000,000	-25,164,000,000	-31,098,000,000	-97,006,000,000	1,317,520,000,000	-34,781,000,000
capital expenditures	0	0									0		0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
free cash flows	1,868,288,000,000	-2,506,650,000,000									1,439,078,000,000		3,979,194,000,000	-1,424,238,000,000	-960,606,000,000	205,973,000,000	449,723,000,000	478,982,000,000	644,776,000,000	5,319,000,000	696,144,000,000	-130,506,000,000	5,155,562,000,000	-25,164,000,000	-31,098,000,000	-97,006,000,000	1,317,520,000,000	-34,781,000,000
cash flows from investing activities:
net cash in-flows (out-flows) from hedging activities	-3,516,000,000	-425,000,000
net cash out-flows from obtaining control	-778,468,000,000						-209,643,000,000	-209,643,000,000	-209,643,000,000	-209,643,000,000
disposal of financial instruments at fvtpl	13,870,380,000,000	8,988,569,000,000	3,211,629,000,000	8,605,032,000,000	6,777,738,000,000	5,307,441,000,000	10,487,513,000,000	10,487,513,000,000	7,909,655,000,000	5,987,268,000,000		3,485,089,000,000
acquisition of financial instruments at fvtpl	-14,833,206,000,000	-9,616,922,000,000	-3,599,755,000,000	-8,788,187,000,000	-6,681,541,000,000	-5,750,853,000,000	-12,167,823,000,000	-12,167,823,000,000	-9,068,573,000,000	-6,860,470,000,000		3,995,877,000,000
disposal of financial assets at fvtoci	27,463,541,000,000	18,412,515,000,000	8,735,912,000,000	21,599,383,000,000	13,859,312,000,000	6,899,627,000,000	20,648,897,000,000	20,648,897,000,000	15,269,311,000,000	10,728,661,000,000		11,062,888,000,000	3,163,447,000,000	1,820,858,000,000
acquisition of financial assets at fvtoci	-24,732,250,000,000	-14,160,445,000,000	-7,893,050,000,000	-19,871,339,000,000	-14,325,052,000,000	-4,582,493,000,000	-24,211,531,000,000	-24,211,531,000,000	-17,749,746,000,000	-11,628,165,000,000		12,883,464,000,000	8,860,485,000,000	3,354,002,000,000
redemption of securities at amortized cost	4,978,629,000,000	2,871,657,000,000	1,167,352,000,000	5,993,180,000,000	2,245,188,000,000	1,202,353,000,000	8,727,124,000,000	8,727,124,000,000	6,839,671,000,000	4,842,587,000,000		3,406,645,000,000	2,446,099,000,000	2,357,460,000,000
acquisition of securities at amortized cost	-4,420,661,000,000	-2,473,315,000,000	-1,005,252,000,000	-1,087,193,000,000	-502,738,000,000	-259,142,000,000	-4,244,256,000,000	-4,244,256,000,000	-3,546,751,000,000	-2,333,300,000,000		1,678,871,000,000	1,567,381,000,000	785,721,000,000
cash inflows(outflows) from changes in subsidiaries	-78,023,000,000
disposal of investments in joint ventures and associates	220,799,000,000	71,564,000,000	17,773,000,000	1,027,811,000,000	823,909,000,000	43,034,000,000	101,051,000,000	101,051,000,000	76,252,000,000	132,913,000,000		32,162,000,000	6,827,000,000	19,864,000,000	28,423,000,000
acquisition of investments in joint ventures and associates	-386,976,000,000	-83,970,000,000	-31,525,000,000	-868,337,000,000	-740,003,000,000	-122,280,000,000	-310,239,000,000	-310,239,000,000	-257,386,000,000	-144,822,000,000		130,261,000,000	8,184,000,000	731,000,000
disposal of investment properties	4,750,000,000			61,378,000,000								354,000,000	4,000,000	18,000,000
acquisition of investment properties	-736,000,000						-99,234,000,000	-99,234,000,000	-91,272,000,000	-99,234,000,000		1,514,000,000	7,723,000,000	128,251,000,000
disposal of premises and equipment	37,652,000,000	35,197,000,000	424,000,000	10,193,000,000	2,278,000,000	3,922,000,000			13,249,000,000	12,399,000,000		17,212,000,000	3,653,000,000	3,320,000,000	-39,375,000,000
acquisition of premises and equipment	-119,639,000,000	-111,109,000,000	-21,559,000,000	-174,088,000,000	-92,039,000,000	-36,818,000,000			-85,184,000,000	-53,755,000,000	-13,000,000	57,266,000,000	62,973,000,000	34,886,000,000	49,002,000,000
disposal of intangible assets	2,964,000,000	333,000,000	34,000,000	4,216,000,000	4,205,000,000	5,384,000,000	2,513,000,000	2,513,000,000	1,485,000,000	186,000,000		371,000,000	407,000,000	588,000,000	-979,000,000
acquisition of intangible assets	-115,954,000,000	-80,612,000,000	-55,797,000,000	-145,601,000,000	-106,888,000,000	-40,732,000,000	-228,503,000,000	-228,503,000,000	-146,253,000,000	-109,196,000,000	-289,000,000	56,640,000,000	26,626,000,000	38,724,000,000	146,109,000,000	-19,000,000		-1,000,000	-16,000,000			-2,000,000				-22,000,000		9,000,000			-15,000,000
disposal of assets held for sale	29,188,000,000	17,201,000,000	1,000,000	3,300,000,000	3,300,000,000	2,520,000,000	7,156,000,000	7,156,000,000	6,876,000,000	3,238,000,000				2,169,000,000	3,121,000,000
net increase(decrease) of other assets	31,185,000,000		20,298,000,000			-50,550,000,000			9,301,000,000
cash flows from financing activities:
net increase(decrease) in borrowings	-597,508,000,000		189,432,000,000		-1,777,921,000,000
issuance of debentures	26,583,998,000,000	17,627,111,000,000	5,577,523,000,000	29,840,165,000,000	15,073,775,000,000	8,158,563,000,000	31,101,841,000,000	31,101,840,000,000	22,420,802,000,000	14,247,045,000,000		10,849,477,000,000	9,330,629,000,000	4,789,098,000,000	7,623,718,000,000
redemption of debentures	-24,313,336,000,000	-16,339,027,000,000	-6,920,431,000,000	-24,857,865,000,000	-14,798,992,000,000	-8,002,791,000,000	-34,329,491,000,000	-33,945,500,000,000	-24,966,275,000,000	-16,116,250,000,000		10,893,170,000,000
redemption of lease liabilities	-184,885,000,000	-117,119,000,000	-74,383,000,000	-175,226,000,000	-115,104,000,000	-40,570,000,000	-160,673,000,000	-160,694,000,000	-124,107,000,000	-47,793,000,000	-797,000,000	102,968,000,000
net decrease of other liabilities	-221,000,000
acquisition of treasury stocks	-150,000,000,000	-149,860,000,000	-20,673,000,000	-136,711,000,000	-136,711,000,000	-136,711,000,000	-158,165,000,000	-158,165,000,000	-146,274,000,000	-23,637,000,000
disposal of treasury stocks				4,847,000,000	4,847,000,000	70,000,000	23,118,000,000	23,118,000,000	12,456,000,000
dividends paid	-781,097,000,000	-634,898,000,000		-745,218,000,000	-612,107,000,000		-978,376,000,000	-978,376,000,000	-843,797,000,000			505,587,000,000
issuance of hybrid securities	398,789,000,000	398,789,000,000		1,555,918,000,000	797,913,000,000	399,012,000,000	798,007,000,000	798,007,000,000	498,680,000,000	299,227,000,000	299,228,000,000	698,277,000,000			-235,614,000,000
redemption of hybrid securities	-1,341,933,000,000	-940,000,000,000	-400,000,000,000	-500,437,000,000			-1,100,000,000,000	-1,100,000,000,000	-900,000,000,000	-500,011,000,000
dividends paid to hybrid securities	-204,392,000,000	-123,421,000,000	-75,963,000,000	-168,581,000,000	-113,301,000,000	-46,522,000,000	-226,785,000,000	-226,785,000,000	-165,668,000,000	-118,472,000,000	-30,414,000,000	110,456,000,000
dividends paid to non-controlling interest	-1,407,000,000	-999,000,000	-992,000,000	-3,820,000,000	-3,468,000,000	-3,460,000,000	-11,647,000,000	-11,647,000,000	-11,637,000,000	-11,489,000,000		2,054,000,000
changes in non-controlling interests				-41,375,000,000	-41,606,000,000	-41,374,000,000	-180,514,000,000	-180,514,000,000	-180,514,000,000	-180,514,000,000
net increase(decrease) in non-controlling equity liabilities	3,539,000,000		375,000,000		-1,589,000,000	-2,807,000,000
effects of exchange rate changes on cash and cash equivalents	-527,139,000,000	-937,332,000,000	37,190,000,000	165,406,000,000	671,421,000,000	353,096,000,000	-170,154,000,000	-175,139,000,000	62,337,000,000	25,616,000,000		39,764,000,000	58,127,000,000	99,499,000,000	-160,013,000,000
net increase(decrease) in cash and cash equivalents	1,951,426,000,000		-1,673,612,000,000			1,377,666,000,000				-12,528,787,000,000
cash and cash equivalents, beginning of the period	27,281,123,000,000	27,281,123,000,000	27,281,123,000,000	30,556,618,000,000	30,556,618,000,000	30,556,618,000,000	34,219,148,000,000	34,219,148,000,000	34,219,148,000,000	34,219,148,000,000	313,361,000,000	6,392,566,000,000	0	6,747,894,000,000	1,628,463,000,000
cash and cash equivalents, end of the period	29,232,549,000,000	30,008,499,000,000	25,607,511,000,000	33,485,919,000,000	25,471,632,000,000	31,934,284,000,000	30,556,618,000,000	30,556,618,000,000	25,891,826,000,000	21,690,361,000,000	1,460,900,000,000	9,437,619,000,000	1,841,553,000,000	4,997,023,000,000	1,853,928,000,000
other losses		2,788,000,000	9,038,000,000
gain on foreign currency translation		679,593,000,000																								-8,441,000,000			10,224,000,000	-10,632,000,000	-2,454,000,000
cash inflows (outflows) from changes in subsidiaries		19,529,000,000
net increase of other assets		28,008,000,000										2,671,000,000
net increase in borrowings		2,529,754,000,000		155,483,000,000		-1,518,153,000,000	2,332,376,000,000	2,190,316,000,000	2,149,818,000,000	1,460,163,000,000
net increase of other liabilities		-286,000,000	-116,000,000	-17,082,000,000		29,000,000	118,000,000	119,000,000	393,000,000	423,000,000		5,516,000,000
net increase in non-controlling equity liabilities		3,539,000,000		-84,000,000			6,620,000,000	6,620,000,000
net increase in cash and cash equivalents		2,727,376,000,000		2,929,301,000,000			-3,662,530,000,000	-3,662,530,000,000	-8,327,322,000,000		1,147,539,000,000	3,005,289,000,000
net income on foreign currency translation			20,345,000,000	331,448,000,000	753,333,000,000	449,838,000,000	366,026,000,000	1,117,456,000,000	750,573,000,000
net cash outflow from operating activities			-409,969,000,000	-7,911,921,000,000	-4,966,770,000,000	-220,739,000,000
cash flows from investing activities
net cash out-flows from losing control						-844,000,000	-464,000,000	-464,000,000	-1,182,000,000
cash outflows from changes in subsidiaries			-154,953,000,000			-146,255,000,000	-619,726,000,000	-603,581,000,000	-412,995,000,000
net cash inflow from investing activities			391,532,000,000		969,004,000,000	2,474,314,000,000
net cash in(out)-flows from hedging activities			32,863,000,000			5,709,000,000
net cash outflow from financing activities			-1,692,365,000,000		-1,758,641,000,000	-1,229,005,000,000
cash flows from operating activities:
net defined benefit liabilities				-48,770,000,000
net cash outflows from acquisition of control				2,008,000,000
net cash outflows from losing of control
net cash outflows from changes in subsidiaries				-486,903,000,000	-307,882,000,000
net increase in other assets				-131,536,000,000	9,217,000,000
net cash inflow (outflow) from investing activities				5,753,317,000,000
net cash inflow (outflow) from hedging activities				12,485,000,000	-17,295,000,000
net cash inflow (outflow) from financing activities				4,922,499,000,000			-2,860,177,000,000	-2,618,267,000,000
other incomes										16,972,000,000
net cash inflows from acquisition of control
net increase(decrease) of other liabilities					-17,082,000,000
net decrease in cash and cash equivalents					-5,084,986,000,000								1,783,426,000,000	-1,850,370,000,000
cash flows from operating activities
loss on financial instruments at fvtpl
loss on disposal of property, plant and equipment, intangible assets and other assets							1,873,000,000	1,873,000,000
impairment loss on property, plant and equipment, intangible assets and other assets							129,000,000	129,000,000
other loss
gain on financial assets at fvtpl							571,179,000,000	571,179,000,000
net profit on foreign currency translation
gain on disposal of property, plant and equipment, intangible assets and other assets							5,267,000,000	5,267,000,000
reversal of impairment loss on property, plant and equipment, intangible assets and other assets							230,000,000	230,000,000
other income												4,608,000,000
net cash inflow from operating activities							1,621,942,000,000	1,368,872,000,000				2,512,352,000,000
disposal of property, plant and equipment							19,001,000,000	19,001,000,000
acquisition of property, plant and equipment							-164,696,000,000	-164,696,000,000
net decrease of other assets							8,719,000,000	8,719,000,000		7,814,000,000
net cash outflow from investing activities							-2,254,141,000,000	-2,237,996,000,000	-1,443,185,000,000			-801,344,000,000
net cash in-flows from hedging activities							23,394,000,000	23,394,000,000		200,000,000		499,000,000
loss related to other provisions									61,182,000,000	59,768,000,000
gain on fair value hedges									48,705,000,000	28,071,000,000
net cash inflow(outflow) from operating activities									-4,705,550,000,000	-10,899,121,000,000
net increase in derivatives designated for hedging purpose									10,113,000,000
net increase in non-controlling interests liabilities									5,086,000,000
net cash inflow(outflow) from financing activities									-2,240,924,000,000	-1,703,003,000,000
changes in subsidiaries										-228,760,000,000
net cash inflow(outflow) from investing activities										47,721,000,000
dividends paid to common stocks										-713,111,000,000
net increase of liabilities for non-controlling interests										1,216,000,000
adjustments to net income: - sum											-1,474,188,000,000
adjustments for profit/loss items not involving cash flows:
provision of impairment losses due to credit loss											41,000,000
loss on valuation of financial instruments at fvtpl											-2,023,000,000
adjustments for profit/loss items not involving cash flows: - sum											710,000,000
changes in operating assets and liabilities: - sum											-5,479,000,000									38,717,000,000	727,626,000,000	1,593,000,000			-1,193,000,000	32,475,000,000			-33,904,000,000	40,252,000,000	4,089,000,000
net decrease on other investment assets											-170,000,000,000
acquisition of investments in subsidiaries											-389,254,000,000
acquisition of investments in financial assets at fvtoci
increase on guarantee deposits for leases
cash flows from investing activities: - sum											-559,556,000,000
cash flows from financing activities: - sum											268,017,000,000
net loss on foreign currency translation												339,687,000,000
gain on valuation of financial instruments at fvtpl												249,455,000,000
cash in-flows from investing activities:
net cash flow from changes in subsidiaries
cash out-flows from investing activities:
cash in-flows from financing activities:
increase in borrowings												8,171,641,000,000	5,049,834,000,000	2,874,237,000,000																230,000,000,000	150,000,000,000
retirement of treasury stocks
cash out-flows from financing activities:
net cash out-flows from hedging activities												6,054,000,000
decrease in borrowings												6,211,491,000,000	2,314,058,000,000	2,868,088,000,000
new stock issue cost
redemption of hybrid stocks												598,850,000,000
net cash inflow from financing activities												1,294,281,000,000
disposal of financial assets at fvtpl													3,094,019,000,000	3,112,439,000,000
net cash flows due to acquisition of subsidiaries													0	6,131,000,000
net cash in-flows of business combination
acquisition of financial assets at fvtpl													4,452,647,000,000	3,088,156,000,000
net cash from investing activities													-6,273,732,000,000	-107,624,000,000	1,589,870,000,000	5,918,000,000		39,894,000,000	113,281,000,000	14,018,000,000	-7,000,000	219,966,000,000		-64,572,000,000	219,435,000,000	162,250,000,000		388,738,000,000	-53,513,000,000	64,459,000,000	112,404,000,000	159,495,000,000
disposal of treasury stock
repayment of debentures													7,448,684,000,000	5,095,863,000,000	2,088,247,000,000
acquisition of treasury stock													0	184,164,000,000												-18,000,000
repayment of lease liability													52,289,000,000	43,598,000,000
payment of stock issuance related expenses													0	16,326,000,000
dividends paid on hybrid securities													47,839,000,000	30,220,000,000	52,460,000,000
dividends paid on non-controlling interest
net cash provided by/used in financing activities
redemption of treasury stock														256,416,000,000
net cash from financing activities														-318,508,000,000	-243,786,000,000	-142,206,000,000	284,937,000,000	-483,608,000,000	-772,405,000,000	-472,405,000,000		-41,487,000,000	20,775,244,000,000	9,804,000,000	-709,000,000	-358,730,000,000				62,060,000,000	282,002,000,000	-118,846,000,000
adjustments:
impairment losses on credit loss															-190,035,000,000
impairment loss on investments in joint ventures and associates
loss on transaction and valuation of derivatives instruments
loss on hedged items															-19,369,000,000
retirement benefits															41,671,000,000
loss on disposal of premises and equipment and other assets															7,192,000,000
impairment loss on premises and equipment and other assets															-46,000,000
deduction of revenues not involving cash inflows:
gain on valuation of financial instruments at fair value through profit or loss															56,437,000,000
gain on available-for-sale financial assets
gain on transaction and valuation of derivatives instruments
gain on hedged items															-20,000,000
reversal of provisions															1,695,000,000
gain on disposal of premises and equipment and other assets															-1,872,000,000
reversal of impairment loss on premises and equipment and other assets															241,000,000
financial instruments at fair value through profit or loss															-311,450,000,000
loans and receivables															7,243,268,000,000
provision															-31,327,000,000
cash received from (paid for) operating activities:
disposal of available-for-sale financial assets															9,213,243,000,000
redemption of held-to-maturity financial assets															3,749,958,000,000
acquisition of available-for-sale financial assets															6,043,836,000,000
acquisition of held-to-maturity financial assets															5,021,974,000,000
cash inflows from financing activities:
capital increase of subsidiaries
cash outflows from financing activities:
payment of dividends															1,000,000	-80,601,000,000		-483,608,000,000	-322,405,000,000	-322,405,000,000		-119,468,000,000		-119,468,000,000		-77,550,000,000					-57,262,000,000	-57,262,000,000
dividends paid on non-controlling interests
loss on available-for-sale financial assets
impairment loss on investments in subsidiaries and associates
loss on foreign exchange translation
loss on transaction / valuation of derivative instruments
impairment loss on assets-held-for-sale
impairment loss on disposal group held-for-sale and disposal group held for distribution to owners
loss on disposal of disposal group held-for-sale
reversal of impairment loss on investments in subsidiaries and associates
gain on foreign exchange translation
gain on transaction / valuation of derivative instruments
gain on disposal of group held-for-sale
gain on disposal of assets held for sale
reversal of impairment loss on assets held-for-sale
reversal of impairment loss on disposal group held-for-sale and disposal group held for distribution to owners
net cash from disposal of subsidiaries
net decrease of derivatives for hedging
acquisition of saudara bank
net increase of derivatives for hedging
paid in capital stock of subsidiaries
change in ownership interest of subsidiaries
other increase in non-controlling interests
changes due to distribution to owners
net decrease in borrowings
expenses on stock issued
dividends paid on non-controlling hybrid securities
redemption of non-controlling hybrid securities
impairment loss on credit loss
loss on disposal of investments in jointly controlled entities and associates
impairment loss of premises and equipment and other assets
loss on transaction of derivatives
loss on valuation of derivatives
loss on fair value hedged items
loss on valuation of investments in jointly controlled entities and associates
gain on disposal of available-for-sale financial assets
gain on disposal of held-to-maturity financial assets
gain on disposal of investments in jointly controlled entities and associates
reversal of impairment loss of premises and equipment and other assets
gain on transaction of derivatives
gain on valuation of derivatives
gain on fair value hedged items
gain on valuation of investments in jointly controlled entities and associates
decrease in financial assets at fair value through profit or loss
increase in loans and receivables
increase in other assets
net increase in deposits due to customers
increase in provisions for guarantee and loan commitment
decrease in retirement benefit obligation
increase in other financial liabilities
increase in other liabilities
cash received from operating activities:
interest revenue received
dividend received
disposal of held-to-maturity financial assets
disposal of investments in jointly controlled entities and associates
acquisition of investment in jointly controlled entities and associates
acquisition of intangible asset
issue of borrowings
issue of debentures
issue of hybrid securities
increase in hedging derivatives
net increase in non-controlling interests
repayment of borrowings																						-120,000,000,000		-120,000,000,000		-570,000,000,000
repayment of hybrid securities of subsidiaries
net decrease in non-controlling interests
cash and cash equivalents, beginning of the year
cash and cash equivalents, end of the year
adjustments to reconcile net income to net cash from operating activities:
provision for loan and lease losses
provision for credit-related commitments
other provision
net loss on derivatives
net loss on redemption of trading securities
net loss on disposal of trading securities
net gain on valuation of trading securities
net gain on redemption of investment securities
net gain on disposal of investment securities
net gain on equity method investments
impairment loss on investment securities
net gain on sale of loans
net gain on disposal of premises and equipment
provision for accrued severance benefits
provision (reversal of provision) for deferred income tax
compensation expenses associated with stock option
net changes in:
trading assets
accrued interest and dividends receivable
trading liabilities
accrued interest and payable
origination of assets held-for-sale
proceeds from sale of loans held-for-sale
net changes in restricted cash
net changes in interest-bearing deposits in other banks
net changes in call loans and securities purchased under resale agreements
net changes in loans
proceeds from sales of available-for-sale securities:
korea deposit insurance corporation
unrelated parties
purchases of available-for-sale securities:
proceeds from maturities, prepayments and calls of held-to-maturity securities:
purchases of held-to-maturity securities:
net changes in other investments
proceeds from sales of premises and equipment
purchases of premises and equipment
net changes in interest-bearing deposits
net changes in non-interest-bearing deposits
net changes in call money
net changes in other borrowed funds
proceeds from secured borrowings
payments on secured borrowings
proceeds from long-term debt
payments on long-term debt
net changes in treasury stock
cash dividends paid
stock issue cost of subsidiaries
remaining interest acquisition of consolidated subsidiaries
increase in noncontrolling interest
cash and cash equivalents, beginning of year
cash and cash equivalents, end of year
supplemental disclosure of cash flow information:
cash paid during the year for interest
cash paid during the year for income tax
supplemental schedule of non cash investing and financing activities:
transfer of loans into securities and other investments
decrease in cumulative translation adjustments, net of tax
increase in unrealized gains on investment securities, net of tax
assets obtained by entering into a capital lease
loss on valuation using the equity method of accounting																21,841,000,000	2,604,000,000	72,000,000	139,000,000	412,000,000	388,000,000	26,499,000,000		388,000,000	26,654,000,000	474,516,000,000				126,707,000,000
provision for severance benefits																864,000,000	588,000,000	358,000,000	880,000,000	106,000,000	269,000,000	967,000,000		297,000,000	265,000,000	215,000,000		36,000,000	-20,000,000	22,000,000	626,000,000
depreciation																121,000,000	225,000,000	148,000,000	237,000,000	16,000,000	36,000,000	117,000,000		23,000,000	47,000,000	165,000,000		-21,000,000	34,000,000	26,000,000	153,000,000
amortization																6,000,000	10,000,000	6,000,000	21,000,000		5,000,000	21,000,000
provision for possible loan losses																												0
other non-operating expense
gain on valuation using the equity method of accounting																-1,265,866,000,000		-1,558,734,000,000	-2,016,366,000,000	-598,650,000,000	-472,642,000,000	-1,849,303,000,000		-497,148,000,000	-419,093,000,000	-1,904,173,000,000		80,478,000,000			-295,187,000,000
reversal of allowance for doubtful accounts																-200,000,000		-200,000,000	-300,000,000	-50,000,000		-571,000,000		-42,000,000	-22,000,000	-3,204,000,000				-3,146,000,000	-15,656,000,000
decrease in other receivables																-71,194,000,000
decrease in accrued income																-19,663,000,000		238,000,000	481,000,000	-301,000,000	532,000,000	-133,000,000		103,000,000	-21,000,000	28,425,000,000		771,000,000	-889,000,000	336,000,000	3,859,000,000
decrease in prepaid expenses																212,000,000		90,000,000	-4,000,000	235,000,000	-425,000,000	459,000,000		412,000,000	17,000,000	137,000,000		-89,000,000	267,000,000	7,000,000	1,093,000,000
increase in advanced payments																-1,440,000,000		-15,000,000
retirement benefits succession																1,006,000,000
severance benefits payment																-535,000,000
decrease in employee retirement insurance deposit																66,000,000	427,000,000	374,000,000
increase in other payables																155,000,000		253,000,000	-133,000,000	-475,000,000	132,000,000	620,000,000		758,000,000	191,000,000	-343,000,000		-2,054,000,000	754,000,000	-8,000,000	364,000,000
increase in accrued expenses																744,000,000	181,000,000			340,000,000		-3,306,000,000			-1,640,000,000	1,822,000,000				535,000,000	-1,211,000,000
increase in withholdings																1,654,000,000	119,000,000		-270,000,000	-18,000,000		49,000,000		222,000,000		196,000,000		-4,000,000	27,000,000	-50,000,000	86,000,000
decrease in prepaid income tax																			1,246,000,000	1,246,000,000		4,146,000,000		5,343,000,000		1,162,000,000		-6,554,000,000			411,000,000
increase in income tax payable																71,013,000,000
increase in deferred income tax liabilities																16,824,000,000
collection of loans																	50,000,000,000	40,000,000,000	60,000,000,000	10,000,000,000		59,740,000,000		8,950,000,000	5,000,000,000	5,000,000,000				601,850,000,000	179,600,000,000
settlement amount under the condition of ex-post settlement
acquisition of investment securities accounted for using the equity method accounting																-33,150,000,000
acquisition of fixed assets																-16,000,000		-105,000,000	-747,000,000			-10,000,000				-188,000,000					-76,000,000	-13,000,000
increase in guarantee deposits																-897,000,000
increase in loans																															-121,850,000,000
cash flows from financing activities
proceeds from issuance of debentures in local currency																548,395,000,000
proceeds from borrowings in local currency																100,000,000,000
repayment of debentures in local currency																-550,000,000,000				-150,000,000,000
repayment of borrowings in local currency																-160,000,000,000
net increase in cash and bank deposits																69,685,000,000	491,564,000,000	35,268,000,000	-14,348,000,000	-453,068,000,000	696,137,000,000	47,973,000,000		-79,932,000,000	187,628,000,000	-293,486,000,000		301,911,000,000	-176,366,000,000	140,188,000,000	276,330,000,000	16,508,000,000
cash and bank deposits, beginning of the period																23,267,000,000	89,724,000,000	89,724,000,000		800,209,000,000	104,072,000,000			243,727,000,000	56,099,000,000			-36,178,000,000	140,188,000,000	349,585,000,000		123,992,000,000
cash and bank deposits, end of the period
provision (reversal of provision) for credit-related commitments
loss on redemption of trading securities
net gain on disposal of trading securities
net loss on valuation of trading securities
net loss on sale of loans
net loss on disposal of premises and equipment
provision for deferred income tax
minority interests in net income of consolidated subsidiaries
accrued interest payable
origination of loans held for sale
proceeds from sale of loans held for sale
business acquisition, net of cash
proceeds from reissuance of treasury stock
acquisitions
fair value of net assets acquired
goodwill
less: gain recognized
cash paid
less: cash acquired
net cash paid for acquisition
increase in cumulative translation adjustments, net of tax
conversion of convertible debentures
disposal of woori securities co., ltd.
acquisition of kumho investment bank by participating in stock issuance
fair value of non-cash assets acquired
fair value of liability assumed
gain on disposal of fixed assets																			-19,000,000
other non-operating income																								-39,000,000
decrease in other receivable																	1,342,000,000	518,000,000				451,000,000			405,000,000					130,000,000	-128,000,000
increase in prepaid expenses
decrease in prepaid income taxes
retirement benefits payment																		-521,000,000	-497,000,000			-218,000,000				-567,000,000					-11,000,000
decrease in other payables
dividends income on investment securities accounted for the equity method																	533,358,000,000	533,358,000,000
disposition of investment securities accounted for using the equity method of accounting																			54,000,000,000
disposition of vehicles																				19,000,000
collection of guarantee deposits																				25,000,000
acquisition of investment securities accounted for using the equity method of accounting																						-94,141,000,000				-1,152,570,000,000
increase in debentures in local currency																	498,545,000,000
increase in borrowings in local currency																	270,000,000,000
stock-based compensation																		128,000,000	188,000,000			2,445,000,000
other non-operating expenses																				1,000,000						8,000,000					1,131,000,000
decrease in accrued expenses																		-1,948,000,000	-2,498,000,000		-1,822,000,000			-216,000,000
decrease in withholdings																		-96,000,000			-150,000,000				-159,000,000
disposition of investment securities accounted for using the equity method accounting
acquisition of available-for-sale securities																				-50,000,000,000
loss on swap contracts																						91,000,000
loss on disposal of fixed assets																						1,000,000
accrued interest on loans																						-2,539,000,000			-556,000,000	-2,256,000,000
other non-operating revenue																			-135,913,000,000			-40,000,000									-970,000,000
decrease in prepaid money																						82,000,000
increase in employee retirement insurance deposit																			-214,000,000			-557,000,000
dividends on investment securities accounted for the equity method																			767,091,000,000
capital reduction of a subsidiary																						175,938,000,000
disposition of fixed assets																			19,000,000
refund of guarantee deposits																			25,000,000
proceeds from debentures in local currency																						598,690,000,000		249,272,000,000		997,382,000,000		-39,594,000,000			618,255,000,000
redemption of debentures in local currency																			-450,000,000,000			-400,000,000,000				-1,050,000,000,000
expense of issuing new shares																						-709,000,000
cash and bank deposits, beginning of the year																			104,072,000,000			56,099,000,000				349,585,000,000					73,255,000,000
cash and bank deposits, end of the year
loss on valuation of swap contracts																										13,111,000,000			-4,989,000,000	9,260,000,000	3,410,000,000
amortization on intangible assets																				6,000,000				5,000,000	5,000,000	19,000,000		0	1,000,000	4,000,000	14,000,000
gain on disposal of tangible assets																				-19,000,000
adjustments to reconcile net income to net cash from operating activities: - sum																				-597,811,000,000	-471,589,000,000	-1,820,320,000,000		-496,672,000,000	-391,929,000,000	-1,421,974,000,000		74,179,000,000	-491,460,000,000	124,786,000,000	-324,730,000,000
decrease in advanced payments																				2,000,000	-21,000,000			8,000,000	65,000,000
payment of severance benefits																				-38,000,000	-231,000,000				-13,000,000
decrease in retirement insurance																				101,000,000								-425,000,000
repayment of available-for-sale securities
acquisition of furniture and equipment																				-3,000,000	-3,000,000
acquisition of leasehold improvement																				-9,000,000	-4,000,000
acquisition of industrial property rights																				-14,000,000
cost on issuance of new shares																									-709,000,000	-934,000,000
disposition of investment securities accounted for using for equity method accounting																				54,000,000,000
increase in prepaid income tax																									-51,000,000					-5,143,000,000
decrease in severance insurance																					144,000,000				13,000,000
collection of dividends																					729,467,000,000
gain on valuation of investment securities																										-2,630,000,000
decrease in currency swap contracts assets
decrease in currency swap contracts liabilities
payment of guarantee deposits																										-333,000,000
proceeds from borrowings																										690,000,000,000
redemption of debentures in foreign currencies																										-347,610,000,000
extraordinary gain
trading assets and liabilities
proceeds from redemption and maturities of available-for-sale securities:
proceeds from common stock issuance
loans repurchased from korea asset management corporation in exchange for held-to-maturity and available-for-sale securities
increase in unrealized gains on available-for-sale securities, net of tax
shares issued to acquire minority interest in woori securities co., ltd.
stock compensation																										273,000,000		2,000,000	-5,000,000	117,000,000	468,000,000
other operating expenses
gain on valuation of swap contracts																															-17,078,000,000
decrease in currency swap contracts																										16,463,000,000				16,463,000,000
reduction of capital of a subsidiary
collection of other loans																										610,000,000,000					358,697,000,000	7,400,000,000
proceeds from disposition of tangible assets
acquisition of investment securities																								-84,141,000,000
acquisition of tangible assets
repayment of debentures in foreign currencies
gain on disposition of tangible assets
dividend																								10,620,000,000
loss on valuation of currency swap contracts																									91,000,000
decrease in accrued interest on loans
decrease in investment securities accounted for using the equity method of accounting due to reduction in capital stock with cash consideration																									154,000,000,000
gain on sales of tangible assets																										-15,000,000					-12,000,000
increase in other receivable																										-319,000,000
increase in prepaid money																										-81,000,000					-1,000,000
increase in retirement insurance																										-277,000,000					-373,000,000
disposition of tangible assets																										52,000,000		-44,000,000			17,000,000
extension of loans
proceeds from debentures in foreign currencies																															49,812,000,000
capital increase with consideration																															38,451,000,000	38,416,000,000
provision for guarantees and acceptances
net loss on valuation of derivatives
gain on disposal of discontinued operations
minority interest in net income of consolidated subsidiaries
restricted cash
proceeds from sales of subsidiaries
net increase in non-interest-bearing deposits
net increase in interest-bearing deposits
net increase in call money
net increase in other borrowed funds
loss on foreign currencies translation
gain on foreign currencies translation
reversal of allowance for possible loan losses
increase in advance payment																												-29,756,000,000
retirement benefits payments
acquisition of investment securities of subsidiaries																														-800,000,000,000	-856,959,000,000
payment of borrowings																												-90,000,000,000			-450,000,000,000	-100,000,000,000
payment of debentures in local currency																												0			-66,680,000,000
payment of debentures in foreign currencies																														-167,940,000,000
share issuance cost
long-term accrued interest income
net cash provided (used) in financing activities
loss on foreign currencytranslation
interest income on loans																														-560,000,000
decrease in long term accrued interest income																														27,982,000,000
net cash providing by (used in) operating activities
loss on sales of tangible assets
interest on loans																															-26,397,000,000
decrease in deferred income tax liabilities
increase in other loans
decrease in capital surplus																															-574,000,000
gain on redemption of trading securities
proceeds from maturities and prepayments of held-to-maturity securities:
payments for purchases of premises and equipment
capital injection by korea deposit insurance corporation
proceeds from issuance of stock purchase warrants
capital injection by contributions of korea deposit insurance corporation bonds
basic ordinary income per common share
basic net income per common share
diluted ordinary income per common share
diluted net income per common share

Woori Financial Group Inc(NYSE:WF)

Woori Financial Group Inc
(NYSE:WF)