재무상태표
제 74 기          2023.12.31 현재
제 73 기          2022.12.31 현재
제 72 기          2021.12.31 현재
(단위 : 원)
	제 74 기	제 73 기	제 72 기
자산
I.현금및예치금	23,150,901,920,995	18,544,625,510,237	16,187,916,418,033
1.현금	100,388,461	74,809,507	41,997,834
2.원화예치금	17,472,537,055,808	13,942,094,104,971	10,714,711,335,524
3.외화예치금	5,678,820,411,997	4,602,958,092,968	5,473,569,278,415
대손충당금	-555,935,271	-501,497,209	-406,193,740
II.투자금융상품	19,089,107,972,419	15,010,202,127,909	14,679,636,148,329
1.당기손익-공정가치측정금융자산	10,804,647,636,867	7,575,643,674,374	7,610,012,888,927
2.기타포괄손익-공정가치측정금융자산	8,271,586,163,236	7,317,701,692,317	7,069,623,259,402
3.상각후원가측정금융자산	12,875,489,489	116,875,000,000	0
대손충당금	-1,317,173	-18,238,782	0
III.대출채권	44,068,519,837,967	44,989,342,143,418	39,980,918,546,971
1.할인어음	1,670,000,000,000	1,500,000,000,000	1,820,000,000,000
2.조건부매수채권	4,974,633,225,484	10,391,500,000,000	8,418,570,519,591
3.외화조건부매수채권	750,430,800,000	310,488,500,000	314,157,500,000
4.대출금	36,644,562,428,840	32,760,330,711,441	29,423,035,819,211
이연대출부대손익	-5,508,295,093	-6,914,464,454	-771,528,856
대손충당금	-934,218,315	-1,164,491,659	-26,153,339,516
5.직원대여금	38,349,366,328	37,624,917,889	32,900,571,346
현재가치할인차금	-3,013,469,277	-2,523,029,799	-820,994,805
IV.기타자산	416,952,642,878	363,457,878,022	181,742,789,841
1.유형자산	41,191,847,547	35,518,528,519	37,733,063,154
2.무형자산	15,939,138,598	16,284,866,575	13,937,060,014
3.선급비용	7,198,806,911	7,070,342,676	2,144,606,443
4.미수수익	325,531,449,878	246,420,921,053	106,843,569,418
대손충당금	-16,303,026	-11,333,243	-6,291,835
5.투자자산	13,177,266,849	13,271,006,849	15,038,336,839
현재가치할인차금	-473,853,726	-234,455,875	-90,672,495
6.순확정급여자산	9,971,063,679	16,908,496,281	4,969,475,546
7.이연법인세자산	0	26,802,363,559	0
9.잡자산	4,442,042,534	1,431,792,065	1,177,758,654
대손충당금	-8,816,366	-4,650,437	-4,115,897
자산총계	86,725,482,374,259	78,907,627,659,586	71,030,213,903,174
자본과 부채
부채
I.예수부채	70,850,796,198,787	61,234,726,427,693	56,674,928,292,271
1.요구불예수금	43,209,082,443,920	34,299,184,842,418	35,243,159,629,621
2.기한부예수금	21,390,743,065,573	22,034,550,862,044	15,644,194,225,690
3.외화예수금	6,250,970,689,294	4,900,990,723,231	5,787,574,436,960
II.차입부채	6,060,008,840,000	7,655,404,840,000	5,982,604,840,000
1.콜머니	896,600,000,000	378,700,000,000	397,500,000,000
2.조건부매도채권	4,157,104,840,000	6,576,704,840,000	4,985,104,840,000
3.외화조건부매도채권	206,304,000,000	0	0
4.차입금	800,000,000,000	700,000,000,000	600,000,000,000
III.사채	3,207,566,465,562	2,987,983,582,137	3,107,773,047,857
1.사채	3,210,000,000,000	2,990,000,000,000	3,110,000,000,000
사채할인발행차금	-2,433,534,438	-2,016,417,863	-2,226,952,143
V.기타부채	3,142,780,814,302	3,997,606,755,962	2,232,671,504,442
1.담보금	1,798,577,853,533	2,941,397,491,887	1,242,440,264,855
2.수급권리금	42,635,203	27,318,865	1,146,194
3.신탁계정미지급금	857,873,469,540	761,732,385,937	825,179,576,622
4.선수수익	2,742,563,716	2,316,933,604	2,153,329,895
5.미지급비용	359,376,826,278	245,009,091,991	75,577,515,834
6.당기법인세부채	35,840,230,236	10,372,205,304	51,792,986,876
7.충당부채	199,669,645	50,000,000	50,000,000
8.리스부채	8,828,832,441	945,466,833	900,807,679
9.이연법인세부채	47,767,039,570	0	8,260,838,751
10.잡부채	31,531,694,140	35,755,861,541	26,315,037,736
부채총계	83,261,152,318,651	75,875,721,605,792	67,997,977,684,570
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	83,570,399,940	-141,090,356,592	24,115,903,118
1.기타포괄손익-공정가치측정금융자산평가이익	67,673,443,572	69,638,366,175	22,045,159,552
2.기타포괄손익-공정가치측정금융자산평가손실	-81,636,096,741	-284,519,681,349	-68,886,576,389
3.기타포괄손익-공정가치측정지정금융자산평가이익(지분상품)	143,517,820,204	107,295,581,445	113,666,432,638
4.기타포괄손익-공정가치측정지정금융자산평가손실	-36,262,537,248	-25,985,740,000	-29,709,834,000
4.확정급여제도의재측정요소	-9,722,229,847	-7,518,882,863	-12,999,278,683
IV.이익잉여금	2,408,917,317,526	2,201,154,072,244	2,036,277,977,344
대손준비금 기적립액	216,067,076,532	193,566,787,355	157,807,898,104
대손준비금 전입(환입) 예정액	913,737,636	22,500,289,177	35,758,889,251
1.법정적립금	248,000,000,000	223,000,000,000	196,000,000,000
2.임의적립금	1,878,337,076,532	1,731,636,787,355	1,567,577,898,104
3.미처분이익잉여금	282,580,240,994	246,517,284,889	272,700,079,240
자본총계	3,464,330,055,608	3,031,906,053,794	3,032,236,218,604
자본과부채총계	86,725,482,374,259	78,907,627,659,586	71,030,213,903,174

포괄손익계산서
(단위 : 원)
	제 74 기	제 73 기	제 72 기
I.영업수익	4,139,437,639,011	2,854,506,314,323	1,352,410,627,587
1.이자수익	3,189,068,933,148	1,773,326,140,004	765,026,807,745
2.투자금융상품평가및처분이익	548,593,915,725	361,205,910,274	188,037,235,534
3.신용손실충당금환입	85,573,271	25,435,962,503	915,524,109
4.수수료수익	121,936,329,171	128,049,435,094	140,161,918,385
5.외환거래이익	146,822,911,126	458,029,764,850	122,489,727,219
6.신탁업무운용수익	34,374,654,996	36,521,187,897	38,850,635,879
7.배당금수익	6,972,807,349	7,156,989,210	4,269,160,898
8.기타영업수익	91,582,514,225	64,780,924,491	92,659,617,818
II.영업비용	-3,772,819,984,153	-2,519,159,159,074	-983,851,547,968
1.이자비용	-3,286,765,684,313	-1,692,943,203,886	-525,220,025,896
2.투자금융상품평가및처분손실	-96,048,725,631	-122,304,967,620	-65,819,772,513
3.신용손실충당금전입	-198,526,082	-113,542,251	-25,186,389,850
4.수수료비용	-97,228,558,787	-103,836,528,538	-115,728,350,325
5.외환거래손실	-151,079,746,505	-471,336,120,972	-122,494,321,245
6.관리비	-134,192,670,481	-123,765,959,385	-123,965,304,013
7.기타영업비용	-7,306,072,354	-4,858,836,422	-5,437,384,126
III.영업이익	366,617,654,858	335,347,155,249	368,559,079,619
IV.영업외수익	3,151,327,417	2,313,853,852	8,246,732,020
V.영업외비용	-2,401,598,588	-4,906,133,463	-3,946,010,154
VI.법인세차감전순이익	367,367,383,687	332,754,875,638	372,859,801,485
VII.법인세비용	-84,804,138,405	-86,278,780,738	-100,195,683,105
VIII.당기순이익	282,563,245,282	246,476,094,900	272,664,118,380
1.대손준비금 반영후 조정이익	281,649,507,646	223,975,805,723	236,905,229,129
IX.기타포괄손익	224,660,756,532	-165,206,259,710	-66,725,296,076
1.후속적으로당기손익으로재분류되지않는항목
확정급여제도의재측정요소	-2,203,346,984	5,480,395,820	2,129,314,603
기타포괄손익-공정가치측정지정금융자산평가손익	25,945,441,511	-2,646,757,193	26,321,808,563
2.후속적으로당기손익으로재분류되는항목
(1)기타포괄손익-공정가치측정채무상품평가손익	200,918,662,005	-168,039,898,337	-95,176,419,242
X.총포괄이익	507,224,001,814	81,269,835,190	205,938,822,304
XI.주당이익
1.기본주당이익 (단위 : 원)	2,078.00	1,812.00	2,005.00
2.희석주당이익 (단위 : 원)	2,078.00	1,812.00	2,005.00

자본변동표
(단위 : 원)
		자본
		자본금	자본잉여금	기타포괄손익누적액	이익잉여금	자본 합계
2021.01.01 (기초자본)		680,000,000,000	291,842,338,142	90,841,199,194	1,838,413,858,964	2,901,097,396,300
자본의 변동	소유주와의 거래				-74,800,000,000	-74,800,000,000
		0	0	0	-74,800,000,000	-74,800,000,000
	포괄손익				272,664,118,380	272,664,118,380
				-95,176,419,242		-95,176,419,242
				26,321,808,563		26,321,808,563
				2,129,314,603		2,129,314,603
		0	0	-66,725,296,076	0	-66,725,296,076
		0	0	-66,725,296,076	272,664,118,380	205,938,822,304
	자본 증가(감소) 합계	0	0	-66,725,296,076	197,864,118,380	131,138,822,304
2021.12.31 (기말자본)		680,000,000,000	291,842,338,142	24,115,903,118	2,036,277,977,344	3,032,236,218,604
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				-81,600,000,000	-81,600,000,000
		0	0	0	-81,600,000,000	-81,600,000,000
	포괄손익				246,476,094,900	246,476,094,900
				-168,039,898,337		-168,039,898,337
				-2,646,757,193		-2,646,757,193
				5,480,395,820		5,480,395,820
		0	0	-165,206,259,710	0	-165,206,259,710
		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				-74,800,000,000	-74,800,000,000
		0	0	0	-74,800,000,000	-74,800,000,000
	포괄손익				282,563,245,282	282,563,245,282
				200,918,662,005		200,918,662,005
				25,945,441,511		25,945,441,511
				-2,203,346,984		-2,203,346,984
		0	0	224,660,756,532	0	224,660,756,532
		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