재무상태표
제 76 기          2025.12.31 현재
제 75 기          2024.12.31 현재
제 74 기          2023.12.31 현재
(단위 : 원)
	제 76 기	제 75 기	제 74 기
자산
I.현금및예치금	36,745,033,889,169	29,443,735,969,161	23,150,901,920,995
1.현금	101,405,549	82,554,616	100,388,461
2.원화예치금	21,437,147,265,012	19,050,417,484,033	17,472,537,055,808
3.외화예치금	15,308,346,890,249	10,393,942,237,743	5,678,820,411,997
대손충당금	-561,671,641	-706,307,231	-555,935,271
II.투자금융상품	26,055,233,160,681	20,493,721,025,879	19,089,107,972,419
1.당기손익-공정가치측정금융자산	15,282,585,988,557	10,861,871,645,011	10,804,647,636,867
2.기타포괄손익-공정가치측정금융자산	10,751,125,843,687	9,631,849,380,868	8,271,586,163,236
3.상각후원가측정금융자산	21,523,500,000	0	12,875,489,489
대손충당금	-2,171,563	0	-1,317,173
III.대출채권	53,946,092,230,256	47,928,726,798,360	44,068,519,837,967
1.할인어음	2,310,000,000,000	2,000,000,000,000	1,670,000,000,000
2.조건부매수채권	7,911,200,000,000	9,162,487,421,562	4,974,633,225,484
3.외화조건부매수채권	1,621,437,000,000	754,110,000,000	750,430,800,000
4.대출금	42,067,402,688,589	35,979,726,226,374	36,644,562,428,840
이연대출부대손익	-1,772,378,073	-3,509,892,316	-5,508,295,093
대손충당금	-1,110,133,460	-902,127,989	-934,218,315
5.직원대여금	41,991,317,994	40,094,289,540	38,349,366,328
현재가치할인차금	-3,056,264,794	-3,279,118,811	-3,013,469,277
IV.기타자산	408,875,998,540	420,542,476,692	416,952,642,878
1.유형자산	51,150,269,371	45,996,337,948	41,191,847,547
2.무형자산	31,705,261,125	25,309,753,883	15,939,138,598
3.선급비용	4,563,764,170	5,203,828,185	7,198,806,911
4.미수수익	288,591,510,128	325,903,065,466	325,531,449,878
대손충당금	-15,751,778	-18,995,081	-16,303,026
5.투자자산	15,585,890,110	11,178,841,230	13,177,266,849
현재가치할인차금	-428,500,268	-445,461,087	-473,853,726
6.순확정급여자산	9,354,290,269	2,268,869,031	9,971,063,679
7.잡자산	8,380,442,307	5,155,895,019	4,442,042,534
대손충당금	-11,176,894	-9,657,902	-8,816,366
자산총계	117,155,235,278,646	98,286,726,270,092	86,725,482,374,259
자본과 부채
부채
I.예수부채	99,636,863,956,796	81,304,477,102,794	70,850,796,198,787
1.요구불예수금	61,022,523,526,798	51,428,211,955,653	43,209,082,443,920
2.기한부예수금	21,435,861,280,031	18,637,450,173,519	21,390,743,065,573
3.외화예수금	17,178,479,149,967	11,238,814,973,622	6,250,970,689,294
II.당기손익-공정가치측정금융부채	714,429,661	0	0
1.매매목적파생상품부채	714,429,661	0	0
III.차입부채	5,546,249,510,000	6,140,004,840,000	6,060,008,840,000
1.콜머니	1,129,400,000,000	1,104,900,000,000	896,600,000,000
2.조건부매도채권	3,695,104,510,000	4,385,104,840,000	4,157,104,840,000
3.외화조건부매도채권	71,745,000,000	0	206,304,000,000
4.차입금	650,000,000,000	650,000,000,000	800,000,000,000
IV.사채	2,768,535,876,590	2,988,519,279,548	3,207,566,465,562
1.사채	2,770,000,000,000	2,990,000,000,000	3,210,000,000,000
사채할인발행차금	-1,464,123,410	-1,480,720,452	-2,433,534,438
V.기타부채	5,100,541,592,785	4,028,966,862,061	3,142,780,814,302
1.담보금	3,487,762,950,141	2,572,912,167,647	1,798,577,853,533
2.수급권리금	1,353,930	3,299,811	42,635,203
3.신탁계정미지급금	997,770,504,121	877,714,784,537	857,873,469,540
4.선수수익	2,624,985,164	2,435,685,424	2,742,563,716
5.미지급비용	414,473,052,369	391,424,348,370	359,376,826,278
6.당기법인세부채	56,975,844,228	54,920,365,831	35,840,230,236
7.충당부채	50,000,000	50,000,000	199,669,645
8.리스부채	11,820,748,888	9,155,490,004	8,828,832,441
9.이연법인세부채	74,787,852,090	85,251,058,850	47,767,039,570
10.잡부채	54,274,301,854	35,099,661,587	31,531,694,140
부채총계	113,052,905,365,832	94,461,968,084,403	83,261,152,318,651
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	145,706,546,008	195,665,683,706	83,570,399,940
1.기타포괄손익-공정가치측정금융자산평가이익	59,935,217,406	88,377,859,788	67,673,443,572
2.기타포괄손익-공정가치측정금융자산평가손실	-45,966,284,188	-14,543,925,145	-81,636,096,741
3.기타포괄손익-공정가치측정지정금융자산평가이익(지분상품)	148,898,279,436	138,878,868,037	143,517,820,204
4.기타포괄손익-공정가치측정지정금융자산평가손실(지분상품)	0	0	-36,262,537,248
5.확정급여제도의재측정요소	-17,160,666,646	-17,047,118,974	-9,722,229,847
IV.이익잉여금	2,984,781,028,664	2,657,250,163,841	2,408,917,317,526
대손준비금 기적립액	209,293,305,739	216,980,814,168	216,067,076,532
대손준비금 전입(환입) 예정액	25,435,097,692	-7,687,508,429	913,737,636
1.법정적립금	314,000,000,000	277,000,000,000	248,000,000,000
2.임의적립금	2,213,963,305,739	2,036,650,814,168	1,878,337,076,532
3.미처분이익잉여금	456,817,722,925	343,599,349,673	282,580,240,994
자본총계	4,102,329,912,814	3,824,758,185,689	3,464,330,055,608
자본과부채총계	117,155,235,278,646	98,286,726,270,092	86,725,482,374,259

포괄손익계산서
제 76 기 2025.01.01 부터 2025.12.31 까지
제 75 기 2024.01.01 부터 2024.12.31 까지
제 74 기 2023.01.01 부터 2023.12.31 까지
(단위 : 원)
	제 76 기	제 75 기	제 74 기
I.영업수익	4,138,281,217,537	5,168,417,993,749	4,139,437,639,011
1.이자수익	3,059,908,068,227	3,349,770,318,200	3,189,068,933,148
2.투자금융상품평가및처분이익	516,719,368,278	553,788,457,776	548,593,915,725
3.신용손실충당금환입	144,635,590	1,317,173	85,573,271
4.수수료수익	148,246,239,796	113,022,655,346	121,936,329,171
5.외환거래이익	236,299,238,629	987,814,640,283	146,822,911,126
6.신탁업무운용수익	42,756,955,427	37,010,030,909	34,374,654,996
7.배당금수익	8,752,321,577	9,412,454,972	6,972,807,349
8.기타영업수익	125,454,390,013	117,598,119,090	91,582,514,225
II.영업비용	-3,516,835,589,461	-4,672,999,746,812	-3,772,819,984,153
1.이자비용	-2,840,145,446,839	-3,307,846,922,632	-3,286,765,684,313
2.투자금융상품평가및처분손실	-143,713,845,462	-91,921,531,600	-96,048,725,631
3.신용손실충당금전입	-459,052,025	-446,605,007	-198,526,082
4.수수료비용	-116,883,008,457	-88,027,604,652	-97,228,558,787
5.외환거래손실	-216,605,884,226	-1,013,694,541,304	-151,079,746,505
6.관리비	-185,362,563,480	-159,137,349,850	-134,192,670,481
7.기타영업비용	-13,665,788,972	-11,925,191,767	-7,306,072,354
III.영업이익	621,445,628,076	495,418,246,937	366,617,654,858
IV.영업외수익	2,456,018,968	2,505,378,955	3,151,327,417
V.영업외비용	-16,209,337,310	-19,597,434,024	-2,401,598,588
VI.법인세차감전순이익	607,692,309,734	478,326,191,868	367,367,383,687
VII.법인세비용	-150,961,444,911	-108,807,605,553	-84,804,138,405
VIII.당기순이익	456,730,864,823	369,518,586,315	282,563,245,282
1.대손준비금 반영후 조정이익	431,295,767,131	344,083,488,623	290,250,753,711
IX.기타포괄손익	-49,959,137,698	86,109,543,766	224,660,756,532
1.후속적으로당기손익으로재분류되지않는항목
(1)확정급여제도의재측정요소	-113,547,672	-7,324,889,127	-2,203,346,984
(2)기타포괄손익-공정가치측정지정금융자산평가손익	10,019,411,399	5,637,845,081	25,945,441,511
2.후속적으로당기손익으로재분류되는항목
(1)기타포괄손익-공정가치측정채무상품평가손익	-59,865,001,425	87,796,587,812	200,918,662,005
X.총포괄이익	406,771,727,125	455,628,130,081	507,224,001,814
XI.주당이익
1.기본주당이익 (단위 : 원)	3,358.00	2,717.00	2,078.00
2.희석주당이익 (단위 : 원)	3,358.00	2,717.00	2,078.00

자본변동표
제 76 기 2025.01.01 부터 2025.12.31 까지
제 75 기 2024.01.01 부터 2024.12.31 까지
제 74 기 2023.01.01 부터 2023.12.31 까지
(단위 : 원)
	자본
	자본금	자본잉여금	기타포괄손익누적액	이익잉여금	자본 합계
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-공정가치측정유가증권평가손익			25,945,441,511		25,945,441,511
순확정급여부채의재측정요소			-2,203,346,984		-2,203,346,984
총기타포괄손익			224,660,756,532	0	224,660,756,532
포괄손익			224,660,756,532	282,563,245,282	507,224,001,814
자본 증가(감소) 합계			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				-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-공정가치측정유가증권평가손익			31,623,585,081	-25,985,740,000	5,637,845,081
순확정급여부채의재측정요소			-7,324,889,127		-7,324,889,127
총기타포괄손익			112,095,283,766	-25,985,740,000	86,109,543,766
포괄손익			112,095,283,766	343,532,846,315	455,628,130,081
자본 증가(감소) 합계			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
2025.01.01 (기초자본)	680,000,000,000	291,842,338,142	195,665,683,706	2,657,250,163,841	3,824,758,185,689
자본의 변동
소유주와의 거래
연차배당				-129,200,000,000	-129,200,000,000
유상증자
소유주와의 거래 합계	0	0	0	-129,200,000,000	-129,200,000,000
포괄손익
당기순이익(손실)				456,730,864,823	456,730,864,823
기타포괄손익
기타포괄손익-공정가치측정금융자산관련손익
기타포괄손익-공정가치측정금융자산평가손익			-59,865,001,425		-59,865,001,425
기타포괄손익-공정가치측정지분증권관련손익
기타포괄손익-공정가치측정유가증권평가손익			10,019,411,399		10,019,411,399
순확정급여부채의재측정요소			-113,547,672		-113,547,672
총기타포괄손익			-49,959,137,698	0	-49,959,137,698
포괄손익			-49,959,137,698	456,730,864,823	406,771,727,125
자본 증가(감소) 합계			-49,959,137,698	327,530,864,823	277,571,727,125
2025.12.31 (기말자본)	680,000,000,000	291,842,338,142	145,706,546,008	2,984,781,028,664	4,102,329,912,814