Cash flow JB Financial Group Co., Ltd.

Stocks

A175330

KR7175330000

Banks

End-of-day quote Korea S.E. Other stock markets 2026-06-11			5-day change	1st Jan Change
26,000.00 ^KRW	+1.96%		+9.01%	+1.36%

May. 11	Tranche Update on JB Financial Group Co., Ltd.'s Equity Buyback Plan announced on February 5, 2026.	CI
Apr. 23	JB Financial Group Co., Ltd. Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

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Published financial data: JB FINANCIAL GROUP CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1,792B	2,382B	3,195B	3,396B	3,354B
Interest Income On Investments	121B	164B	216B	283B	354B
Interest Income, Total	1,913B	2,546B	3,411B	3,679B	3,708B
Interest On Deposits	259B	519B	1,077B	1,120B	978B
Total Interest On Borrowings	188B	267B	412B	540B	549B
Interest Expense, Total	447B	786B	1,489B	1,660B	1,527B
Net Interest Income	1,466B	1,760B	1,921B	2,019B	2,181B
Trust Income	14.26B	14.93B	12.97B	19.35B	21.26B
Credit Card Fee	5.9B	7.2B	5.57B	7.07B	6.89B
Income From Trading Activities	-3.15B	-20.43B	-36.3B	-29.5B	-48.22B
Gain (Loss) on Sale of Assets	491M	-649M	-931M	302M	116M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	48.39B	14.59B	60.96B	138B	168B
Income (Loss) on Equity Invest. (Income Block)	4.62B	6M	80M	14M	38.7B
Total Other Non Interest Income	547B	510B	682B	730B	626B
Non Operating Income (Expenses)	9.65B	15.57B	13.86B	21.99B	13.62B
Non Interest Income, Total	627B	541B	738B	887B	827B
Revenues Before Provison For Loan Losses	2,093B	2,301B	2,659B	2,906B	3,008B
Provision For Loan Losses	136B	257B	442B	479B	479B
Total Revenues	1,957B	2,045B	2,217B	2,427B	2,529B
Salaries And Other Employee Benefits	496B	487B	525B	568B	624B
Amort. of Goodwill & Intang. Assets	32.94B	26.84B	28.96B	35.21B	43.02B
Occupancy Expense	67.09B	69.49B	71.59B	67.22B	67.39B
Federal Deposit Insurance	42.04B	46.69B	47.95B	50.3B	54B
Selling General & Admin Expenses, Total	113B	119B	124B	134B	148B
Total Other Non Interest Expense	482B	455B	606B	644B	599B
Non Operating (Income) Expenses	26.84B	8.81B	14.2B	20.5B	28.95B
Non Interest Expense, Total	1,260B	1,212B	1,417B	1,520B	1,564B
EBT, Excl. Unusual Items	696B	832B	800B	908B	965B
Asset Writedown	-	-	-	-	-147M
EBT, Incl. Unusual Items	696B	832B	800B	908B	965B
Income Tax Expense	171B	214B	196B	215B	235B
Earnings From Continuing Operations	525B	618B	604B	693B	730B
Net Income to Company	525B	618B	604B	693B	730B
Minority Interest	-18.85B	-17.24B	-17.94B	-15.47B	-19.65B
Net Income - (IS)	507B	601B	586B	678B	710B
Preferred Dividend and Other Adjustments	18.72B	18.72B	22.25B	19.18B	26.84B
Net Income to Common Incl Extra Items	488B	582B	564B	658B	684B
Net Income to Common Excl. Extra Items	488B	582B	564B	658B	684B
Per Share Items
Net EPS - Basic	2.51K	3K	2.91K	3.44K	3.62K
Basic EPS - Continuing Operations	2.51K	3K	2.91K	3.44K	3.62K
Basic Weighted Average Shares Outstanding	194M	194M	194M	191M	189M
Net EPS - Diluted	2.51K	3K	2.91K	3.44K	3.62K
Diluted EPS - Continuing Operations	2.51K	3K	2.91K	3.44K	3.62K
Diluted Weighted Average Shares Outstanding	194M	194M	194M	191M	189M
Normalized Basic EPS	2.14K	2.59K	2.48K	2.88K	3.09K
Normalized Diluted EPS	2.14K	2.59K	2.48K	2.88K	3.09K
Dividend Per Share	599	835	855	995	1.14K
Payout Ratio	18.04	26.36	32.22	32.52	34.74
Supplemental Items
Effective Tax Rate - (Ratio)	24.55	25.71	24.46	23.67	24.32
Normalized Net Income	416B	503B	482B	552B	583B
Non-Cash Pension Expense	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2,916B	2,080B	1,903B	1,622B	2,473B
Investment Securities, Total	191B	825B	571B	214B	353B
Trading Asset Securities, Total	6,750B	7,505B	9,062B	10,070B	11,121B
Total investments	6,941B	8,330B	9,633B	10,284B	11,474B
Gross Loans	44,084B	46,868B	49,472B	52,772B	57,182B
Allowance For Loan Losses	-398B	-495B	-615B	-667B	-733B
Other Adjustments to Gross Loans	2.86B	2.17B	-244M	-2.65B	-1.7B
Net Loans	43,688B	46,375B	48,856B	52,103B	56,448B
Gross Property Plant And Equipment	2,374B	2,187B	2,212B	1,996B	1,871B
Accumulated Depreciation	-400B	-441B	-477B	-521B	-548B
Net Property Plant And Equipment	1,974B	1,746B	1,736B	1,475B	1,324B
Goodwill	62.79B	73.22B	74.24B	82.84B	81.11B
Other Intangibles, Total	71.71B	78.93B	97.46B	101B	111B
Investment in Real Estate	37.56B	48.06B	47.97B	45.26B	44.53B
Accrued Interest Receivable	166B	233B	303B	332B	355B
Other Receivables	66.87B	64.24B	62.44B	45.65B	104B
Other Current Assets, Total	38.41B	31.24B	31.43B	31.03B	51.53B
Deferred Tax Assets Long-Term (Collected)	66.72B	87.89B	55.18B	33.12B	58.12B
Deferred Charges Long-Term	10.67B	15.44B	25.12B	22.99B	32.9B
Other Long-Term Assets, Total	354B	665B	579B	545B	567B
Total Assets	56,396B	59,828B	63,404B	66,722B	73,124B
Liabilities
Accrued Expenses, Total	291B	446B	616B	642B	626B
Interest Bearing Deposits	22,159B	26,222B	27,375B	28,443B	30,854B
Non-Interest Bearing Deposits	17,891B	15,636B	15,583B	15,698B	16,926B
Total Deposits	40,050B	41,858B	42,958B	44,141B	47,780B
Short-Term Borrowings	194B	11.94B	213B	370B	346B
Long-Term Debt	10,226B	11,689B	13,526B	14,851B	17,099B
Current Income Taxes Payable	116B	125B	88.37B	100B	107B
Unearned Revenue Non Current	22.81B	24.88B	24.02B	20.94B	18.13B
Pension & Other Post Retirement Benefits	-	-	-	-	-
Deferred Tax Liability Non-Current	-	-	-	-	43.03B
Other Non Current Liabilities	1,170B	911B	863B	872B	929B
Total Liabilities	52,069B	55,065B	58,288B	60,997B	66,949B
Common Stock, Total	985B	985B	985B	985B	985B
Additional Paid In Capital	705B	705B	704B	703B	709B
Retained Earnings	2,141B	2,583B	2,983B	3,425B	3,809B
Treasury Stock	-15.28B	-15.28B	-45.05B	-55.12B	-69.66B
Comprehensive Income and Other	342B	319B	375B	523B	481B
Total Common Equity	4,157B	4,577B	5,003B	5,581B	5,915B
Minority Interest	169B	186B	113B	144B	261B
Total Equity	4,327B	4,763B	5,116B	5,725B	6,175B
Total Liabilities And Equity	56,396B	59,828B	63,404B	66,722B	73,124B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	194M	194M	192M	190M	186M
ECS Total Common Shares Outstanding	194M	194M	192M	190M	186M
Book Value / Share	21.39K	23.55K	26.12K	29.35K	31.74K
Tangible Book Value	4,023B	4,425B	4,831B	5,397B	5,722B
Tangible Book Value Per Share	20.7K	22.77K	25.22K	28.38K	30.71K
Total Debt	10,420B	11,701B	13,739B	15,221B	17,446B
Deposits at Interest - Cash	-	-	-	-	-
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	-	-	-	-
Net Debt	594B	1,346B	2,364B	3,509B	3,841B
Equity Method Investments, Total	31.38B	55.19B	161B	193B	342B
Full Time Employees	-	-	-	-	-
Number Of Offices	-	-	-	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	507B	601B	586B	678B	710B
Depreciation, Depletion & Amortization	94.04B	90.51B	94.19B	96.22B	104B
Total Depreciation, Depletion & Amortization	94.04B	90.51B	94.19B	96.22B	104B
(Gain) Loss On Sale of Asset - (CF)	-5.6B	-74M	-831M	-68.31B	-43.99B
(Gain) Loss on Sale of Investments - (CF)	-36.78B	-6.3B	-27.12B	-77.84B	-136B
Total Asset Writedown	-318M	-133M	29M	11M	22M
Provision for Credit Losses	136B	257B	442B	479B	479B
(Income) Loss On Equity Investments - (CF)	3.3B	-4.97B	-2.96B	-1.61B	-21.64B
Change in Trading Asset Securities	-87.61B	-183B	-663B	-627B	-1,215B
Change in Other Net Operating Assets (Collected)	-2,534B	-4,001B	-2,103B	-2,939B	-4,720B
Other Operating Activities	233B	286B	274B	316B	67.18B
Cash from Operations	-1,692B	-2,961B	-1,400B	-2,146B	-4,777B
Capital Expenditure	-52.51B	-73.44B	-376B	-75.1B	-49.87B
Sale of Property, Plant, and Equipment	4.71B	199M	96M	4.32B	554M
Cash Acquisitions	-	-31.45B	-	-	-
Purchase / Sale of Intangible Assets	-27.36B	-37.9B	-55.82B	-34.87B	-63.68B
Investment in Marketable and Equity Securities, Total	-476B	-650B	-836B	-562B	164B
Other Investing Activities, Total	-638M	2.42B	-420M	3.4B	920M
Cash from Investing	-552B	-790B	-1,269B	-664B	51.93B
Long-Term Debt Issued, Total	18,171B	18,263B	10,888B	42,682B	66,258B
Total Debt Issued	18,171B	18,263B	10,888B	42,682B	66,258B
Long-Term Debt Repaid, Total	-17,544B	-17,088B	-9,127B	-41,159B	-64,020B
Total Debt Repaid	-17,544B	-17,088B	-9,127B	-41,159B	-64,020B
Issuance of Common Stock	-	-	-	4.98B	20.32B
Repurchase of Common Stock	-	-	-29.66B	-29.99B	-106B
Common & Preferred Stock Dividends Paid	-91.41B	-158B	-189B	-220B	-247B
Common & Preferred Stock Dividends Paid	-91.41B	-158B	-189B	-220B	-247B
Net Increase (Decrease) in Deposit Accounts - (CF)	1,928B	1,808B	1,100B	1,183B	3,639B
Other Financing Activities, Total	-93.59B	-12.67B	382M	721M	-1.14B
Cash from Financing	2,370B	2,812B	2,644B	2,461B	5,543B
Foreign Exchange Rate Adjustments	900M	122B	-56.88B	60.96B	-5.41B
Net Change in Cash	128B	-818B	-82.07B	-288B	813B
Supplemental Items
Cash Interest Paid	443B	619B	1,295B	1,624B	1,543B
Cash Income Tax Paid (Refund)	133B	210B	219B	179B	196B
Net Debt Issued / Repaid	628B	1,175B	1,761B	1,523B	2,238B

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	0.96	1.06	0.98	1.07	1.04
Return On Equity %	12.58	13.6	12.23	12.78	12.27
Return on Common Equity	12.33	13.33	11.77	12.44	11.89
Shareholders Value Added	31.74B	76.95B	11.19B	42.52B	20.67B
Margin Analysis
SG&A Margin	34.56	33.03	32.51	31.69	33.19
Net Interest Income / Total Revenues %	74.91	86.1	86.66	83.17	86.24
EBT Excl. Non-Recurring Items Margin %	35.59	40.7	36.06	37.4	38.15
Income From Continuing Operations Margin %	26.85	30.24	27.24	28.55	28.86
Net Income Margin %	25.89	29.4	26.43	27.91	28.09
Net Avail. For Common Margin %	24.93	28.48	25.43	27.12	27.03
Normalized Net Income Margin	21.28	24.6	21.73	22.74	23.07
Asset quality
Nonperforming Loans / Total Loans %	-	-	-	-	-
Nonperforming Loans / Total Assets %	-	-	-	-	-
Nonperforming Assets / Total Assets %	-	-	-	-	-
NPAs / Loans and OREO	-	-	-	-	-
NPAs / Equity	-	-	-	-	-
Allowance for Credit Losses / Net Charge-offs %	-	-	-	-	-
Allowance for Credit Losses / Nonperforming Loans %	-	-	-	-	-
Allowance for Credit Losses / Total Loans %	0.9	1.06	1.24	1.26	1.28
Provision for Loan Losses / Net Charge-offs %	-	-	-	-	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	7.21	7.52	7.77	8.13	8.22
Total Average Equity / Total Average Assets %	7.61	7.82	8.02	8.33	8.51
Total Equity + Allowance for Loan Losses / Total Loans %	10.33	10.82	11.36	11.84	11.62
Gross Loans / Total Deposits %	110.07	111.97	115.16	119.55	119.68
Net Loans / Total Deposits %	109.08	110.79	113.73	118.04	118.14
Tier 1 Capital Ratio %	-	-	-	-	-
Total Capital Ratio %	-	-	-	-	-
Core Tier 1 Capital Ratio	-	-	-	-	-
Tier 2 Capital Ratio	-	-	-	-	-
Coverage Ratio	-	-	-	-	-
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	4.7	4.11	2.94	2.68	2.76
EBT + Interest Expense / Interest Expense	2.56	2.06	1.54	1.55	1.63
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	15.26	20.1	9.14	5.08	8.04
Non Interest Income, 1 Yr. Growth %	9.43	-13.7	19.23	20.19	-6.26
Provision For Loan Losses, 1 Yr. Growth %	-29.48	88.88	72.48	8.17	0.08
Total Revenues, 1 Yr. Growth %	18.46	4.49	4.43	9.5	4.4
Earnings From Cont. Operations, 1 Yr. Growth %	34.43	17.67	-2.32	14.75	5.35
Net Income, 1 Yr. Growth %	39.35	18.65	-2.5	15.62	4.85
Normalized Net Income, 1 Yr. Growth %	58.54	20.77	-4.2	14.58	5.69
Diluted EPS Before Extra, 1 Yr. Growth %	41.49	19.36	-2.99	18.31	5.25
Gross Loans, 1 Yr. Growth %	7.21	6.32	5.56	6.67	8.36
Allowance For Loan Losses, 1 Yr. Growth %	8.77	24.17	24.36	8.36	9.92
Net Loans, 1 Yr. Growth %	7.2	6.15	5.35	6.65	8.34
Non Performing Loans, 1 Yr. Growth %	-	-	-	-	-
Non Performing Assets, 1 Yr. Growth %	-	-	-	-	-
Total Assets, 1 Yr. Growth %	5.66	6.09	5.98	5.23	9.59
Total Deposits, 1 Yr Growth %	5.06	4.51	2.63	2.75	8.24
Tangible Book Value, 1 Yr. Growth %	10.94	9.99	9.18	11.71	6.03
Common Equity, 1 Yr. Growth %	10.68	10.09	9.3	11.55	5.99
Total Equity, 1 Yr. Growth %	7.39	10.08	7.41	11.9	7.87
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	8.73	17.65	14.49	7.09	6.55
Non Interest Income, 2 Yr. CAGR %	11.31	-2.82	8.52	19.71	5.85
Provision For Loan Losses, 2 Yr. CAGR %	-4.44	15.41	80.45	36.59	4.05
Total Revenues, 2 Yr. CAGR %	10.69	11.26	6.44	6.93	6.81
Earnings From Cont. Operations, 2 Yr. CAGR %	20.45	25.77	7.21	5.87	9.95
Net Income, 2 Yr. CAGR %	21.71	28.58	7.55	6.17	10.1
Normalized Net Income, 2 Yr. CAGR %	21.58	38.37	7.56	4.77	10.04
Diluted EPS Before Extra, 2 Yr. CAGR %	23.69	29.96	7.61	7.13	11.59
Gross Loans, 2 Yr. CAGR %	8.6	6.76	5.94	6.11	7.51
Allowance For Loan Losses, 2 Yr. CAGR %	11.4	16.21	24.27	16.08	9.13
Net Loans, 2 Yr. CAGR %	8.57	6.67	5.75	6	7.49
Non Performing Loans, 2 Yr. CAGR %	-	-	-	-	-
Non Performing Assets, 2 Yr. CAGR %	-	-	-	-	-
Total Assets, 2 Yr. CAGR %	8.93	5.87	6.03	5.6	7.39
Total Deposits, 2 Yr CAGR %	8.25	4.78	3.57	2.69	5.46
Tangible Book Value, 2 Yr. CAGR %	9.77	10.47	9.58	10.44	8.84
Common Equity, 2 Yr. CAGR %	9.46	10.39	9.7	10.42	8.73
Total Equity, 2 Yr. CAGR %	6.43	8.73	8.74	9.63	9.87
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	5.15	12.39	14.75	11.26	7.41
Non Interest Income, 3 Yr. CAGR %	6.47	2.26	8.82	12.28	10.13
Provision For Loan Losses, 3 Yr. CAGR %	-9.15	19.92	31.92	52.15	23.14
Total Revenues, 3 Yr. CAGR %	6.97	8.58	10.31	7.45	6.01
Earnings From Cont. Operations, 3 Yr. CAGR %	17.85	19.52	15.61	9.67	5.7
Net Income, 3 Yr. CAGR %	28	20.68	17.25	10.18	5.73
Normalized Net Income, 3 Yr. CAGR %	31.81	21.31	22.41	9.85	5.07
Diluted EPS Before Extra, 3 Yr. CAGR %	21.75	22.23	17.89	11.06	6.5
Gross Loans, 3 Yr. CAGR %	6.31	7.83	6.36	6.18	6.86
Allowance For Loan Losses, 3 Yr. CAGR %	7.22	15.5	18.87	18.72	13.99
Net Loans, 3 Yr. CAGR %	6.3	7.76	6.23	6.05	6.77
Total Assets, 3 Yr. CAGR %	6.43	7.97	5.91	5.76	6.92
Total Deposits, 3 Yr CAGR %	5.62	6.99	4.06	3.29	4.51
Tangible Book Value, 3 Yr. CAGR %	10.33	9.85	10.04	10.29	8.95
Common Equity, 3 Yr. CAGR %	9.9	9.67	10.02	10.31	8.92
Total Equity, 3 Yr. CAGR %	7.75	7.63	8.29	9.78	9.04
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	7.24	8.45	8.79	10.24	11.39
Non Interest Income, 5 Yr. CAGR %	6.8	1.4	7.28	11.89	7.63
Provision For Loan Losses, 5 Yr. CAGR %	-6.42	9.69	19.54	26.32	19.97
Total Revenues, 5 Yr. CAGR %	8.6	6.16	6.76	8.74	8.9
Earnings From Cont. Operations, 5 Yr. CAGR %	21.09	18.51	13.47	13.86	13.31
Net Income, 5 Yr. CAGR %	28.85	26.56	19.39	14.66	14.34
Normalized Net Income, 5 Yr. CAGR %	31.84	29.82	21.52	14.4	17.3
Diluted EPS Before Extra, 5 Yr. CAGR %	22.28	21.66	15.88	15.95	15.32
Gross Loans, 5 Yr. CAGR %	3.83	4.18	6.16	7.14	6.82
Allowance For Loan Losses, 5 Yr. CAGR %	6.27	14.47	13.74	15.74	14.87
Net Loans, 5 Yr. CAGR %	3.82	4.09	6.08	7.05	6.73
Total Assets, 5 Yr. CAGR %	4.25	4.68	6.27	7.02	6.5
Total Deposits, 5 Yr CAGR %	4.72	3.92	4.79	5.25	4.62
Tangible Book Value, 5 Yr. CAGR %	13.49	14.38	10.03	10.08	9.55
Common Equity, 5 Yr. CAGR %	12.77	13.5	9.82	9.97	9.5
Total Equity, 5 Yr. CAGR %	7.86	9.07	8.15	8.43	8.92