재무상태표
제 75 기          2024.12.31 현재
제 74 기          2023.12.31 현재
제 73 기          2022.12.31 현재
(단위 : 원)
	제 75 기	제 74 기	제 73 기
자산
I.현금및예치금	29,443,735,969,161	23,150,901,920,995	18,544,625,510,237
1.현금	82,554,616	100,388,461	74,809,507
2.원화예치금	19,050,417,484,033	17,472,537,055,808	13,942,094,104,971
3.외화예치금	10,393,942,237,743	5,678,820,411,997	4,602,958,092,968
예치금대손충당금	-706,307,231	-555,935,271	-501,497,209
II.투자금융상품	20,493,721,025,879	19,089,107,972,419	15,010,202,127,909
1.당기손익-공정가치측정금융자산	10,861,871,645,011	10,804,647,636,867	7,575,643,674,374
2.기타포괄손익-공정가치측정금융자산	9,631,849,380,868	8,271,586,163,236	7,317,701,692,317
3.상각후원가측정금융자산	0	12,875,489,489	116,875,000,000
대손충당금	0	-1,317,173	-18,238,782
III.대출채권	47,928,726,798,360	44,068,519,837,967	44,989,342,143,418
1.할인어음	2,000,000,000,000	1,670,000,000,000	1,500,000,000,000
2.조건부매수채권	9,162,487,421,562	4,974,633,225,484	10,391,500,000,000
3.외화조건부매수채권	754,110,000,000	750,430,800,000	310,488,500,000
4.대출금	35,979,726,226,374	36,644,562,428,840	32,760,330,711,441
이연대출부대손익	-3,509,892,316	-5,508,295,093	-6,914,464,454
대손충당금	-902,127,989	-934,218,315	-1,164,491,659
5.직원대여금	40,094,289,540	38,349,366,328	37,624,917,889
현재가치할인차금	-3,279,118,811	-3,013,469,277	-2,523,029,799
IV.기타자산	420,542,476,692	416,952,642,878	363,457,878,022
1.유형자산	45,996,337,948	41,191,847,547	35,518,528,519
2.무형자산	25,309,753,883	15,939,138,598	16,284,866,575
3.선급비용	5,203,828,185	7,198,806,911	7,070,342,676
4.미수수익	325,903,065,466	325,531,449,878	246,420,921,053
대손충당금	-18,995,081	-16,303,026	-11,333,243
5.투자자산	11,178,841,230	13,177,266,849	13,271,006,849
현재가치할인차금	-445,461,087	-473,853,726	-234,455,875
6.순확정급여자산	2,268,869,031	9,971,063,679	16,908,496,281
7.이연법인세자산	0	0	26,802,363,559
8.잡자산	5,155,895,019	4,442,042,534	1,431,792,065
대손충당금	-9,657,902	-8,816,366	-4,650,437
자산총계	98,286,726,270,092	86,725,482,374,259	78,907,627,659,586
자본과 부채
부채
I.예수부채	81,304,477,102,794	70,850,796,198,787	61,234,726,427,693
1.요구불예수금	51,428,211,955,653	43,209,082,443,920	34,299,184,842,418
2.기한부예수금	18,637,450,173,519	21,390,743,065,573	22,034,550,862,044
3.외화예수금	11,238,814,973,622	6,250,970,689,294	4,900,990,723,231
II.차입부채	6,140,004,840,000	6,060,008,840,000	7,655,404,840,000
1.콜머니	1,104,900,000,000	896,600,000,000	378,700,000,000
2.조건부매도채권	4,385,104,840,000	4,157,104,840,000	6,576,704,840,000
3.외화조건부매도채권	0	206,304,000,000	0
4.차입금	650,000,000,000	800,000,000,000	700,000,000,000
III.사채	2,988,519,279,548	3,207,566,465,562	2,987,983,582,137
1.사채	2,990,000,000,000	3,210,000,000,000	2,990,000,000,000
사채할인발행차금	-1,480,720,452	-2,433,534,438	-2,016,417,863
IV.기타부채	4,028,966,862,061	3,142,780,814,302	3,997,606,755,962
1.담보금	2,572,912,167,647	1,798,577,853,533	2,941,397,491,887
2.수급권리금	3,299,811	42,635,203	27,318,865
3.신탁계정미지급금	877,714,784,537	857,873,469,540	761,732,385,937
4.선수수익	2,435,685,424	2,742,563,716	2,316,933,604
5.미지급비용	391,424,348,370	359,376,826,278	245,009,091,991
6.당기법인세부채	54,920,365,831	35,840,230,236	10,372,205,304
7.충당부채	50,000,000	199,669,645	50,000,000
8.리스부채	9,155,490,004	8,828,832,441	945,466,833
9.이연법인세부채	85,251,058,850	47,767,039,570	0
10.잡부채	35,099,661,587	31,531,694,140	35,755,861,541
부채총계	94,461,968,084,403	83,261,152,318,651	75,875,721,605,792
자본
I.자본금	680,000,000,000	680,000,000,000	680,000,000,000
1.보통주자본금	680,000,000,000	680,000,000,000	680,000,000,000
II.자본잉여금	291,842,338,142	291,842,338,142	291,842,338,142
1.주식발행초과금	270,075,025,115	270,075,025,115	270,075,025,115
2.기타자본잉여금	21,767,313,027	21,767,313,027	21,767,313,027
III.기타포괄손익누계액	195,665,683,706	83,570,399,940	-141,090,356,592
1.기타포괄손익-공정가치측정금융자산평가이익	88,377,859,788	67,673,443,572	69,638,366,175
2.기타포괄손익-공정가치측정금융자산평가손실	-14,543,925,145	-81,636,096,741	-284,519,681,349
3.기타포괄손익-공정가치측정지정금융자산평가이익(지분상품)	138,878,868,037	143,517,820,204	107,295,581,445
4.기타포괄손익-공정가치측정지정금융자산평가손실(지분상품)	0	-36,262,537,248	-25,985,740,000
5.확정급여제도의재측정요소	-17,047,118,974	-9,722,229,847	-7,518,882,863
IV.이익잉여금	2,657,250,163,841	2,408,917,317,526	2,201,154,072,244
대손준비금 기적립액	216,980,814,168	216,067,076,532	193,566,787,355
대손준비금 전입(환입) 예정액	-7,687,508,429	913,737,636	22,500,289,177
1.법정적립금	277,000,000,000	248,000,000,000	223,000,000,000
2.임의적립금	2,036,650,814,168	1,878,337,076,532	1,731,636,787,355
3.미처분이익잉여금	343,599,349,673	282,580,240,994	246,517,284,889
자본총계	3,824,758,185,689	3,464,330,055,608	3,031,906,053,794
자본과부채총계	98,286,726,270,092	86,725,482,374,259	78,907,627,659,586

포괄손익계산서
제 75 기 2024.01.01 부터 2024.12.31 까지
(단위 : 원)
	제 75 기	제 74 기	제 73 기
I.영업수익	5,168,417,993,749	4,139,437,639,011	2,854,506,314,323
1.이자수익	3,349,770,318,200	3,189,068,933,148	1,773,326,140,004
2.투자금융상품평가및처분이익	553,788,457,776	548,593,915,725	361,205,910,274
3.신용손실충당금환입	1,317,173	85,573,271	25,435,962,503
4.수수료수익	113,022,655,346	121,936,329,171	128,049,435,094
5.외환거래이익	987,814,640,283	146,822,911,126	458,029,764,850
6.신탁업무운용수익	37,010,030,909	34,374,654,996	36,521,187,897
7.배당수익	9,412,454,972	6,972,807,349	7,156,989,210
8.기타영업수익	117,598,119,090	91,582,514,225	64,780,924,491
II.영업비용	-4,672,999,746,812	-3,772,819,984,153	-2,519,159,159,074
1.이자비용	-3,307,846,922,632	-3,286,765,684,313	-1,692,943,203,886
2.투자금융상품평가및처분손실	-91,921,531,600	-96,048,725,631	-122,304,967,620
3.신용손실충당금전입	-446,605,007	-198,526,082	-113,542,251
4.수수료비용	-88,027,604,652	-97,228,558,787	-103,836,528,538
5.외환거래손실	-1,013,694,541,304	-151,079,746,505	-471,336,120,972
6.관리비	-159,137,349,850	-134,192,670,481	-123,765,959,385
7.기타영업비용	-11,925,191,767	-7,306,072,354	-4,858,836,422
III.영업이익	495,418,246,937	366,617,654,858	335,347,155,249
IV.영업외수익	2,505,378,955	3,151,327,417	2,313,853,852
V.영업외비용	-19,597,434,024	-2,401,598,588	-4,906,133,463
VI.법인세차감전순이익	478,326,191,868	367,367,383,687	332,754,875,638
VII.법인세비용	-108,807,605,553	-84,804,138,405	-86,278,780,738
VIII.당기순이익	369,518,586,315	282,563,245,282	246,476,094,900
1.대손준비금 반영후 조정이익	377,206,094,744	281,649,507,646	223,975,805,723
IX.기타포괄손익	86,109,543,766	224,660,756,532	-165,206,259,710
1.후속적으로당기손익으로재분류되지않는항목
확정급여제도의재측정요소	-7,324,889,127	-2,203,346,984	5,480,395,820
기타포괄손익-공정가치측정지정금융자산평가손익	5,637,845,081	25,945,441,511	-2,646,757,193
2.후속적으로당기손익으로재분류 항목
기타포괄손익-공정가치측정채무상품평가손익	87,796,587,812	200,918,662,005	-168,039,898,337
X.총포괄이익	455,628,130,081	507,224,001,814	81,269,835,190
XI.주당이익
1.기본주당이익 (단위 : 원)	2,717.00	2,078.00	1,812.00
2.희석주당이익 (단위 : 원)	2,717.00	2,078.00	1,812.00

자본변동표
(단위 : 원)
	자본
	자본금	자본잉여금	기타포괄손익누적액	이익잉여금	자본 합계
2022.01.01 (기초자본)	680,000,000,000	291,842,338,142	24,115,903,118	2,036,277,977,344	3,032,236,218,604
자본의 변동
소유주와의 거래
연차배당				-81,600,000,000	-81,600,000,000
유상증자
소유주와의 거래 합계	0	0	0	-81,600,000,000	-81,600,000,000
포괄손익
당기순이익(손실)				246,476,094,900	246,476,094,900
기타포괄손익
기타포괄손익-공정가치측정금융자산관련손익
기타포괄손익-공정가치측정금융자산평가손익			-168,039,898,337		-168,039,898,337
기타포괄손익-공정가치측정지분증권관련손익
기타포괄손익-공정가치측정지정금융자산평가손익			-2,646,757,193		-2,646,757,193
확정급여제도의재측정요소			5,480,395,820		5,480,395,820
총기타포괄손익	0	0	-165,206,259,710	0	-165,206,259,710
포괄손익	0	0	-165,206,259,710	246,476,094,900	81,269,835,190
자본 증가(감소) 합계	0	0	-165,206,259,710	164,876,094,900	-330,164,810
2022.12.31 (기말자본)	680,000,000,000	291,842,338,142	-141,090,356,592	2,201,154,072,244	3,031,906,053,794
2023.01.01 (기초자본)	680,000,000,000	291,842,338,142	-141,090,356,592	2,201,154,072,244	3,031,906,053,794
자본의 변동
소유주와의 거래
연차배당				-74,800,000,000	-74,800,000,000
유상증자
소유주와의 거래 합계				-74,800,000,000	-74,800,000,000
포괄손익
당기순이익(손실)				282,563,245,282	282,563,245,282
기타포괄손익
기타포괄손익-공정가치측정금융자산관련손익
기타포괄손익-공정가치측정금융자산평가손익			200,918,662,005		200,918,662,005
기타포괄손익-공정가치측정지분증권관련손익
기타포괄손익-공정가치측정지정금융자산평가손익			25,945,441,511		25,945,441,511
확정급여제도의재측정요소			-2,203,346,984		-2,203,346,984
총기타포괄손익	0	0	224,660,756,532	0	224,660,756,532
포괄손익	0	0	224,660,756,532	282,563,245,282	507,224,001,814
자본 증가(감소) 합계	0	0	224,660,756,532	207,763,245,282	432,424,001,814
2023.12.31 (기말자본)	680,000,000,000	291,842,338,142	83,570,399,940	2,408,917,317,526	3,464,330,055,608
2024.01.01 (기초자본)	680,000,000,000	291,842,338,142	83,570,399,940	2,408,917,317,526	3,464,330,055,608
자본의 변동
소유주와의 거래
연차배당				-95,200,000,000	-95,200,000,000
유상증자
소유주와의 거래 합계	0	0	0	-95,200,000,000	-95,200,000,000
포괄손익
당기순이익(손실)				369,518,586,315	369,518,586,315
기타포괄손익
기타포괄손익-공정가치측정금융자산관련손익
기타포괄손익-공정가치측정금융자산평가손익			87,796,587,812		87,796,587,812
기타포괄손익-공정가치측정지분증권관련손익
기타포괄손익-공정가치측정지정금융자산평가손익			31,623,585,081	-25,985,740,000	5,637,845,081
확정급여제도의재측정요소			-7,324,889,127		-7,324,889,127
총기타포괄손익	0	0	112,095,283,766	-25,985,740,000	86,109,543,766
포괄손익	0	0	112,095,283,766	343,532,846,315	455,628,130,081
자본 증가(감소) 합계	0	0	112,095,283,766	248,332,846,315	360,428,130,081
2024.12.31 (기말자본)	680,000,000,000	291,842,338,142	195,665,683,706	2,657,250,163,841	3,824,758,185,689