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Financial Highlights

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Consolidated Statement of Financial Position (unit : mil KRW)

Consolidated Statement of Financial Position
FY2020 FY2019 FY2018
Cash and deposits 673,937 497,328 347,867
Securities 7,095,637 5,426,802 4,877,056
Loans 976,033 786,540 858,938
Receivable 195,753 114,718 117,211
Derivatives Assets 59,372 31,937 83,648
Tangible/intangible assets 33,328 37,724 33,063
Non-current Assets 0 0 190,821
Other assets 133,844 135,681 92,580
Total assets 9,167,904 7,030,730 6,601,184
Deposits 399,649 141,218 148,456
Financial liabilities 2,013,342 2,088,030 1,545,576
Borrowings 5,546,848 3,675,852 3,960,177
Derivative liabilities 44,487 52,270 57,973
Other liabilities 97,791 84,117 87,322
Total liabilities 8,102,117 6,041,487 5,799,504
Stockholder's Equity 193,776 193,776 146,686
Capital surplus 368,658 368,658 312,375
Accumulated other comprehensive
income
88,005 74,213 74,213
Retained earnings 415,348 352,588 293,518
Non-controlling shareholders'
equity
- 8 -
Total Equity 1,065,787 989,243 822,411
Total liabilities and Equity 9,167,904 7,030,730 6,621,915

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

Consolidated Statement of Profit or Loss and Other Comprehensive Income
FY2020 FY2019 FY2018
Other Comprehensive Income 13,792 4,808 3,137
Total Comprehensive Income for the Period 98,091 76,652 53,709
Operating income 839,993 716,183 618,986
Operating expenses 722,578 617,743 550,849
Operating revenues 117,415 98,440 68,137
Non-operating income 174 534 1,654
Other Expenses 245 561 556
Pre-tax income 117,344 98,414 69,235
Income tax 33,045 26,570 18,663
Net income for the period 84,299 71,844 50,572

Statement of retained earnings (unit : mil KRW)

Statement of retained earnings
FY2020 FY2019 FY2018
Unappropriated retained earnings to be
carried over to subsequent year
100 69 82
Unappropriated retained earnings Balance at beginning of the year 69 82 35
Net profit 84,489 59,841 51,468
Subtotal 84,558 59,923 51,503
Transfer from voluntary reserves Reserve for loss on
futures
- 5,238 -
Voluntary reserve - - -
Subtotal - 5,238 -
Appropriation of
retained earnings
Dividend(common) 19,803 17,602 13,202
Dividend(Preffered) 3,937 3,937 -
Legal reserve 2,374 21,539 1,320
Reserve for loss on
futures
4,944 - 2,599
Voluntary reserve 53,400 41,400 34,300
Subtotal 60,718 84,478 51,421

Consolidated Cash flow statement [Unit : mil KRW]

Consolidated Cash flow statement
FY2020 FY2019 FY2018
Net increase in cash 122,651 197,923 75,745
Cash at the beginning of the year -120 - -
Affects of exchang ratio to Cash 393,552 195,629 119,883
Cash at the end of the year 516,083 393,552 195,629
Cash flows from operating
activities
Net income before tax 117,344 98,414 69,235
Adjustments -55,690 -86,069 -775
Changes in operating
assets and liabilities
-1,716,962 -143,123 -157,268
Interest income 184,212 155,235 149,301
Interest payments -70,905 -90,159 -87,517
Dividend income 31,617 28,365 1,514
Tax payments -28,699 -17,739 -23,067
Subtotal -1,539,083 -55,075 -48,577
Cash flows from investing
activities
Cash inflows 897,657 717,288 396,885
Cash outflows -1,081,305 -265,949 -476,200
Subtotal -183,648 451,339 -79,315
Cash flows from financing
activities
Cash inflows 1,871,199 104,252 7,538,451
Cash outflows -25,817 -302,592 -7,334,814
Subtotal 1,845,382 -198,340 203,637