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Financial Highlights

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Consolidated Statement of Financial Position (Unit: KRW)

Consolidated Statement of Financial Position
FY2019 FY2018 FY2017
Cash and deposits 497,328 347,867 260,782
Securities 5,426,802 4,877,056 5,448,516
Loans 786,540 858,938 728,710
Receivable 114,718 117,211 124,236
Derivatives Assets 31,937 83,648 65,921
Tangible/intangible assets 33,063 33,062 30,384
Non-current Assets 0 190,821 275,924
Other assets 140,342 92,581 90,684
Total assets 7,030,730 6,601,184 7,025,157
Deposits 141,218 148,456 196,202
Financial liabilities 2,088,030 1,545,576 2,099,200
Borrowings 3,675,852 3,960,177 3,744,804
Derivative liabilities 52,270 57,973 51,432
Other liabilities 84,117 87,322 88,165
Total liabilities 6,041,487 5,799,504 6,179,803
Stockholder's Equity 193,776 146,686 146,686
Capital surplus 368,658 312,375 312,374
Accumulated other comprehensive
income
74,213 74,213 128,684
Retained earnings 352,588 293,518 257,610
Non-controlling shareholders'
equity
8 - -
Total Equity 989,243 822,411 845,354
Total liabilities and Equity 7,030,730 6,621,915 7,025,157

Consolidated Statement of Profit or Loss and Other Comprehensive Income (Unit: KRW)

Consolidated Statement of Profit or Loss and Other Comprehensive Income
FY2019 FY2018 FY2017
Other Comprehensive Income 4,808 3,137 -9,324
Total Comprehensive Income for the Period 76,652 53,709 40,880
Operating income 716,183 618,986 521,346
Operating expenses 617,743 550,849 454,558
Operating revenues 96,440 68,137 66,788
Non-operating income 534 1,654 132
Other Expenses 561 556 893
Pre-tax income 98,414 69,235 66,026
Income tax 26,570 18,663 15,822
Net income for the period 71,844 50,572 50,204

Statement of retained earnings (Unit: KRW)

Statement of retained earnings
FY2019 FY2018 FY2017
Unappropriated retained earnings to be
carried over to subsequent year
69 82 35
Unappropriated retained earnings Balance at beginning of the year 82 35 93
Net profit 59,841 51,468 58,903
Subtotal 59,923 51,503 58,996
Transfer from voluntary reserves Reserve for loss on
futures
5,238 - -
Voluntary reserve - - -
Subtotal 5,238 - -
Appropriation of
retained earnings
Dividends(common) 17,602 13,202 11,735
Dividends(Preffered) 3,937 - -
Legal reserve 21,539 1,320 1,174
Reserve for loss on
futures
- 2,599 13,452
Voluntary reserve 41,400 34,300 32,600
Subtotal 84,478 51,421 58,961

Consolidated Cash flow statement (Unit: KRW)

Consolidated Cash flow statement
FY2019 FY2018 FY2017
Net increase in cash 197,923 75,745 -1,349
Cash at the beginning of the year 195,629 119,883 121,232
Cash at the end of the year 393,552 195,629 119,883
Cash flows from operating
activities
Net income before tax 98,414 69,235 66,026
Adjustments -86,069 -775 -70,786
Changes in operating
assets and liabilities
-143,123 -157,268 -48,512
Interest income 155,235 149,301 128,676
Interest payments -90,159 -87,517 -67,833
Dividend income 28,365 1,514 1,093
Tax payments -17,739 -23,067 -15,562
Subtotal -55,075 -48,577 -6,898
Cash flows from investing
activities
Cash inflows 717,288 396,885 344,781
Cash outflows -265,949 -476,200 -729,555
Subtotal 451,339 -79,315 -384,774
Cash flows from financing
activities
Cash inflows 104,252 7,538,451 408,129
Cash outflows -302,592 -7,334,814 -17,806
Subtotal -198,340 203,637 390,323