Balance Sheet Korea Investment Holdings Co., Ltd.

Equities

A071050

KR7071050009

Investment Banking & Brokerage Services

End-of-day quote Korea S.E. Other stock markets 18/07/2025			5-day change	1st Jan Change
148,900.00 ^KRW	-2.68%		-5.76%	+108.84%

06/06	Korea Investment Holdings’ stock is on the up
14/05	Korea Investment Holdings Unit Korea Investment & Securities Q1 Operating Profit 519 Billion Won, Up 32.4% From Year Earlier	RE

0660934d48.qX_hhajNUwQfRWyVOSGtzL7VqyPQcHTWEIC6QxT9s8U.2w-27M_gJVZsEVmnUlP__YyjnG2xQzyzYcLgcnekg-juMIrS94k_bVMtCw

Published financial data: KOREA INVESTMENT HOLDINGS CO., LTD.

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2020	2021	2022	2023	2024
Interest Income On Loans	-	-	-	-	-
Interest Income On Investments	1,638B	1,734B	2,432B	3,558B	3,986B
Interest Income, Total	1,638B	1,734B	2,432B	3,558B	3,986B
Interest On Deposits	79.44B	100B	204B	402B	362B
Total Interest On Borrowings	448B	420B	1,006B	1,890B	2,118B
Interest Expense, Total	527B	520B	1,210B	2,292B	2,481B
Net Interest Income	1,111B	1,214B	1,222B	1,266B	1,505B
Income From Trading Activities	-	-	-	-	-
Gain (Loss) on Sale of Assets	11.59B	12.9B	-1.97B	-3.72B	27.38B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	725B	150B	-1,574B	1,096B	476B
Income (Loss) on Equity Invest. (Income Block)	346B	913B	270B	271B	335B
Total Other Non Interest Income	12,847B	10,234B	19,593B	14,870B	14,912B
Non Operating Income (Expenses)	14.5B	14.19B	13.38B	6.23B	13.06B
Non Interest Income, Total	13,944B	11,324B	18,300B	16,240B	15,763B
Revenues Before Provison For Loan Losses	15,056B	12,538B	19,523B	17,506B	17,268B
Provision For Loan Losses	119B	130B	258B	717B	322B
Total Revenues	14,937B	12,408B	19,265B	16,789B	16,945B
Salaries And Other Employee Benefits	603B	810B	740B	664B	896B
Amort. of Goodwill & Intang. Assets	10.2B	12.42B	18.52B	23.62B	24.84B
Occupancy Expense	61.2B	66.01B	72.78B	77.73B	87.2B
Selling General & Admin Expenses, Total	237B	267B	309B	339B	361B
(Income) Loss on Equity Invest.	-	-	-	-	-
Total Other Non Interest Expense	12,814B	8,831B	17,463B	14,792B	14,166B
Non Operating (Income) Expenses	15.16B	4.18B	16.33B	6.83B	10.6B
Non Interest Expense, Total	13,741B	9,990B	18,619B	15,903B	15,547B
EBT, Excl. Unusual Items	1,195B	2,417B	646B	886B	1,399B
EBT, Incl. Unusual Items	1,195B	2,417B	646B	886B	1,399B
Income Tax Expense	335B	653B	6.03B	178B	353B
Earnings From Continuing Operations	860B	1,765B	640B	708B	1,046B
Earnings Of Discontinued Operations	-	-	-	-	-
Net Income to Company	860B	1,765B	640B	708B	1,046B
Minority Interest	3.42B	-151M	-2.96B	-1.09B	-6.13B
Net Income - (IS)	863B	1,764B	637B	707B	1,040B
Preferred Dividend and Other Adjustments	-	-	-	68.82B	101B
Net Income to Common Incl Extra Items	863B	1,764B	637B	638B	939B
Net Income to Common Excl. Extra Items	863B	1,764B	637B	638B	939B
Per Share Items
Net EPS - Basic	14.78K	30.21K	10.9K	10.93K	16.07K
Basic EPS - Continuing Operations	14.78K	30.21K	10.9K	10.93K	16.07K
Basic Weighted Average Shares Outstanding	58.42M	58.41M	58.43M	58.4M	58.4M
Net EPS - Diluted	14.78K	30.21K	10.9K	10.93K	16.07K
Diluted EPS - Continuing Operations	14.78K	30.21K	10.9K	10.93K	16.07K
Diluted Weighted Average Shares Outstanding	58.42M	58.41M	58.43M	58.4M	58.4M
Normalized Basic EPS	12.85K	25.86K	6.86K	9.46K	14.87K
Normalized Diluted EPS	12.85K	25.86K	6.86K	9.46K	14.87K
Dividend Per Share	3K	6.15K	2.3K	2.65K	3.98K
Payout Ratio	19.65	9.95	56.44	19.05	14.92
Supplemental Items
Effective Tax Rate - (Ratio)	28.05	27	0.93	20.07	25.24
Total Current Taxes	-	-	-	-	-
Total Deferred Taxes	-	-	-	-	-
Normalized Net Income	750B	1,511B	401B	553B	868B
Non-Cash Pension Expense	-	13.11B	11.93B	-1.15B	-

Fiscal Period: December	2020	2021	2022	2023	2024
Assets
Cash And Equivalents	11,997B	15,305B	14,673B	13,845B	15,481B
Investment Securities, Total	2,876B	3,297B	4,321B	4,260B	4,831B
Trading Asset Securities, Total	37,734B	42,513B	42,020B	52,849B	61,962B
Total investments	40,609B	45,810B	46,341B	57,109B	66,793B
Gross Loans	15,002B	18,674B	22,052B	23,016B	24,793B
Allowance For Loan Losses	-218B	-321B	-513B	-941B	-1,071B
Net Loans	14,784B	18,353B	21,539B	22,074B	23,722B
Gross Property Plant And Equipment	651B	676B	725B	732B	853B
Accumulated Depreciation	-262B	-296B	-325B	-364B	-369B
Net Property Plant And Equipment	389B	380B	400B	368B	483B
Goodwill	24.4B	25.08B	45B	25.19B	25.91B
Other Intangibles, Total	54.62B	56.35B	75.43B	81.08B	84.65B
Investment in Real Estate	154B	152B	145B	2.79B	2.76B
Accrued Interest Receivable	236B	282B	415B	513B	726B
Other Receivables	2,044B	1,398B	2,184B	1,549B	1,587B
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	82.37B	124B	221B	258B	209B
Deferred Tax Assets Long-Term (Collected)	227M	483M	88.52B	1.52B	74.9B
Deferred Charges Long-Term	27.36B	38.58B	57.32B	62.93B	54.8B
Other Long-Term Assets, Total	35.44B	113B	124B	12.44B	-23.24B
Total Assets	70,438B	82,037B	86,309B	95,901B	109,220B
Liabilities
Accounts Payable, Total	-	-	-	-	-
Accrued Expenses, Total	421B	555B	594B	695B	952B
Interest Bearing Deposits	13,155B	14,768B	13,938B	13,656B	16,139B
Total Deposits	13,155B	14,768B	13,938B	13,656B	16,139B
Short-Term Borrowings	21,318B	24,877B	16,490B	23,140B	27,656B
Current Portion of Long-Term Debt	-	-	-	-	-
Long-Term Debt	12,393B	18,299B	32,302B	35,981B	40,049B
Current Income Taxes Payable	231B	303B	94.8B	6.85B	321B
Other Current Liabilities - (Bank / Utility Template)	13,933B	12,129B	11,146B	11,140B	11,586B
Unearned Revenue Non Current	78.06B	116B	119B	199B	200B
Pension & Other Post Retirement Benefits	8.88B	8.68B	-	-	5.51B
Deferred Tax Liability Non-Current	61.89B	241B	68.45M	89.6B	1.59B
Other Non Current Liabilities	3,204B	3,311B	3,918B	2,548B	2,575B
Total Liabilities	64,805B	74,608B	78,603B	87,456B	99,486B
Preferred Stock - Others	-	-	-	-	-
Total Preferred Equity	-	-	-	-	-
Common Stock, Total	308B	308B	308B	308B	308B
Additional Paid In Capital	604B	604B	598B	598B	598B
Retained Earnings	4,713B	6,302B	6,579B	7,151B	8,036B
Treasury Stock	-50.14B	-50.14B	-50.14B	-50.14B	-50.14B
Comprehensive Income and Other	37.49B	235B	245B	367B	759B
Total Common Equity	5,612B	7,398B	7,679B	8,374B	9,651B
Minority Interest	20.55B	29.95B	26.29B	71.4B	83.79B
Total Equity	5,632B	7,428B	7,706B	8,445B	9,735B
Total Liabilities And Equity	70,438B	82,037B	86,309B	95,901B	109,220B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	58.4M	58.4M	58.4M	58.4M	58.4M
ECS Total Common Shares Outstanding	58.4M	58.4M	58.4M	58.4M	58.4M
Book Value / Share	96.1K	127K	132K	143K	165K
Tangible Book Value	5,533B	7,317B	7,559B	8,267B	9,540B
Tangible Book Value Per Share	94.74K	125K	129K	142K	163K
Total Debt	33,711B	43,175B	48,792B	59,121B	67,705B
Deposits at Interest - Cash	-	2,572B	2,974B	3,719B	3,148B
Debt Equivalent of Unfunded Proj. Benefit Obligation	-	8.68B	-8.86B	-6.44B	-
Net Debt	-16,019B	-14,642B	-7,901B	-7,573B	-9,738B
Equity Method Investments, Total	2,876B	3,297B	4,321B	4,260B	4,831B
Full Time Employees	-	-	-	-	-

Fiscal Period: December	2020	2021	2022	2023	2024
Net Income	863B	1,764B	637B	707B	1,040B
Depreciation, Depletion & Amortization	57.14B	61.48B	66.52B	69.87B	78.39B
Amortization of Goodwill and Intangible Assets - (CF)	10.2B	12.42B	18.52B	23.62B	24.84B
Total Depreciation, Depletion & Amortization	67.34B	73.89B	85.03B	93.48B	103B
Amortization of Deferred Charges, Total	-	-	-	-	-
Gain (Loss) on Sale of Loans & Receivables - (CF)	-408M	-	-	-	-
(Gain) Loss On Sale of Asset - (CF)	-11.85B	-16.07B	-6.96B	-18.16B	-26.09B
(Gain) Loss on Sale of Investments - (CF)	86.62B	310B	1,744B	116B	166B
Provision for Credit Losses	119B	130B	258B	717B	322B
(Income) Loss On Equity Investments - (CF)	-328B	-870B	-94B	-44.89B	-169B
Change in Trading Asset Securities	-7,207B	-1,684B	2,943B	-10,983B	-10,140B
Change in Other Net Operating Assets (Collected)	-2,280B	-5,811B	-7,526B	2,355B	-1,812B
Other Operating Activities	1.48B	238B	-1,819B	52.23B	259B
Cash from Operations	-8,689B	-5,864B	-3,780B	-7,006B	-10,256B
Capital Expenditure	-22.58B	-20.1B	-24.29B	-21.29B	-40.45B
Sale of Property, Plant, and Equipment	111M	191M	304M	5.12B	2.51B
Cash Acquisitions	29.51B	414B	293B	68.53B	123B
Purchase / Sale of Intangible Assets	-12.89B	-10.17B	-31.8B	-24.25B	-11.3B
Sale (Purchase) of Real Estate Properties (Collected)	-	-	-	-	-
Investment in Marketable and Equity Securities, Total	130B	-2,733B	-38.11B	-1,202B	2,382B
Net (Increase) Decrease in Loans Originated / Sold - Investing	20.8M	-1.22B	-6.41B	10.54M	31.37M
Other Investing Activities, Total	-8.16B	-13.61B	-9.71B	-6.44B	-7.47B
Cash from Investing	116B	-2,364B	183B	-1,180B	2,448B
Long-Term Debt Issued, Total	3,338B	7,484B	5,248B	10,789B	8,363B
Total Debt Issued	3,338B	7,484B	5,248B	10,789B	8,363B
Long-Term Debt Repaid, Total	-31.65B	-43.24B	-37.74B	-1,489B	-3,551B
Total Debt Repaid	-31.65B	-43.24B	-37.74B	-1,489B	-3,551B
Common Dividends Paid	-170B	-176B	-359B	-135B	-155B
Common & Preferred Stock Dividends Paid	-170B	-176B	-359B	-135B	-155B
Net Increase (Decrease) in Deposit Accounts - (CF)	6,506B	1,613B	-830B	-281B	2,482B
Other Financing Activities, Total	-5.6B	6.58M	-12.91B	45.09B	614M
Cash from Financing	9,637B	8,879B	4,008B	8,929B	7,140B
Foreign Exchange Rate Adjustments	-8.09B	11.41B	-6.51B	538M	97.18B
Net Change in Cash	1,057B	663B	404B	744B	-571B
Supplemental Items
Cash Interest Paid	524B	501B	1,199B	2,037B	2,424B
Cash Income Tax Paid (Refund)	163B	442B	541B	193B	149B
Net Debt Issued / Repaid	3,307B	7,441B	5,210B	9,299B	4,812B

Fiscal Period: December	2020	2021	2022	2023	2024
Profitability
Return on Assets	1.31	2.31	0.76	0.78	1.02
Return On Equity %	16.13	27.02	8.46	8.77	11.51
Return on Common Equity	16.27	27.12	8.45	7.95	10.42
Shareholders Value Added	237B	996B	-249B	-233B	-16.89B
Margin Analysis
SG&A Margin	6.04	9.21	5.82	6.44	7.94
Net Interest Income / Total Revenues %	7.44	9.78	6.34	7.54	8.88
EBT Excl. Non-Recurring Items Margin %	8	19.48	3.35	5.28	8.26
Income From Continuing Operations Margin %	5.76	14.22	3.32	4.22	6.17
Net Income Margin %	5.78	14.22	3.31	4.21	6.14
Net Avail. For Common Margin %	5.78	14.22	3.31	3.8	5.54
Normalized Net Income Margin	5.02	12.17	2.08	3.29	5.12
Asset quality
Nonperforming Loans / Total Loans %	-	1.18	1.59	4.02	5.17
Nonperforming Loans / Total Assets %	-	0.27	0.41	0.96	1.17
Nonperforming Assets / Total Assets %	-	0.27	0.41	0.96	1.17
NPAs / Loans and OREO	-	1.18	1.59	4.02	5.17
NPAs / Equity	-	2.97	4.54	10.95	13.16
Allowance for Credit Losses / Net Charge-offs %	-	5.71K	4.35K	1.16K	995.96
Allowance for Credit Losses / Nonperforming Loans %	-	145.7	146.42	101.77	83.56
Allowance for Credit Losses / Total Loans %	1.45	1.72	2.33	4.09	4.32
Provision for Loan Losses / Net Charge-offs %	-	2.32K	2.19K	885.9	299.7
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.09	8.53	8.96	8.81	8.79
Total Average Equity / Total Average Assets %	8.13	8.57	8.99	8.86	8.86
Total Equity + Allowance for Loan Losses / Total Loans %	38.86	41.34	37.15	40.47	43.24
Gross Loans / Total Deposits %	114.04	126.45	158.21	168.53	153.62
Net Loans / Total Deposits %	112.38	124.27	154.53	161.64	146.99
Total Capital Ratio %	-	-	-	-	-
Coverage Ratio	-	145.7	146.42	101.77	83.56
Fixed Charges Coverage
EBT + Interest on Borrowings / Interest on Borrowings	3.67	6.75	1.64	1.47	1.66
EBT + Interest Expense / Interest Expense	3.27	5.65	1.53	1.39	1.56
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	25.96	9.21	0.7	0.58	18.88
Non Interest Income, 1 Yr. Growth %	57.54	-18.79	61.6	-11.08	-2.94
Provision For Loan Losses, 1 Yr. Growth %	128.15	9.42	97.51	178.17	-55.03
Total Revenues, 1 Yr. Growth %	54.29	-16.93	55.27	-12.85	0.93
Earnings From Cont. Operations, 1 Yr. Growth %	13.3	105.17	-63.74	10.67	47.71
Net Income, 1 Yr. Growth %	2.16	104.34	-63.91	11.01	47.07
Normalized Net Income, 1 Yr. Growth %	13.45	101.28	-73.47	37.9	57.12
Diluted EPS Before Extra, 1 Yr. Growth %	14.05	104.38	-63.92	0.21	32.77
Dividend Per Share, 1 Yr. Growth %	3.45	105	-62.6	15.22	50.19
Gross Loans, 1 Yr. Growth %	21.24	24.47	18.09	4.37	7.72
Allowance For Loan Losses, 1 Yr. Growth %	41.98	47.29	59.59	83.56	13.77
Net Loans, 1 Yr. Growth %	20.98	24.14	17.36	2.49	7.46
Non Performing Loans, 1 Yr. Growth %	-	35.25	58.81	132.68	38.56
Non Performing Assets, 1 Yr. Growth %	-	35.25	58.81	132.68	38.56
Total Assets, 1 Yr. Growth %	15.92	16.47	5.21	11.11	13.89
Total Deposits, 1 Yr Growth %	99.63	12.26	-5.62	-2.02	18.18
Tangible Book Value, 1 Yr. Growth %	12.28	32.24	3.31	9.37	15.4
Common Equity, 1 Yr. Growth %	12.15	31.83	3.8	9.04	15.25
Total Equity, 1 Yr. Growth %	11.91	31.88	3.74	9.59	15.27
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	21.16	17.29	4.87	2.12	9.35
Non Interest Income, 2 Yr. CAGR %	45.32	13.11	14.56	19.75	-7.1
Provision For Loan Losses, 2 Yr. CAGR %	54.06	58	47.01	134.4	11.84
Total Revenues, 2 Yr. CAGR %	42.95	13.21	13.57	16.32	-6.21
Earnings From Cont. Operations, 2 Yr. CAGR %	26.56	52.46	-13.75	-36.65	27.85
Net Income, 2 Yr. CAGR %	27.69	44.49	-14.12	-36.7	27.77
Normalized Net Income, 2 Yr. CAGR %	26	51.11	-26.93	-39.52	47.2
Diluted EPS Before Extra, 2 Yr. CAGR %	25.26	52.67	-14.12	-39.85	21.41
Dividend Per Share, 2 Yr. CAGR %	29.1	45.63	-12.44	-34.36	31.55
Gross Loans, 2 Yr. CAGR %	-11.78	22.85	21.24	11.02	6.03
Allowance For Loan Losses, 2 Yr. CAGR %	18.97	44.61	53.32	71.16	44.51
Net Loans, 2 Yr. CAGR %	-12.08	22.55	20.7	9.67	4.95
Non Performing Loans, 2 Yr. CAGR %	-	-	46.56	104.8	79.55
Non Performing Assets, 2 Yr. CAGR %	-	-	46.56	104.8	79.55
Total Assets, 2 Yr. CAGR %	4.91	16.19	10.69	8.12	12.49
Total Deposits, 2 Yr CAGR %	-12.19	49.7	2.93	-3.84	7.61
Tangible Book Value, 2 Yr. CAGR %	14.55	21.85	16.89	6.3	12.34
Common Equity, 2 Yr. CAGR %	14.02	21.6	16.98	6.39	12.1
Total Equity, 2 Yr. CAGR %	7.24	21.49	16.97	6.63	12.4
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	20.73	17.04	11.47	4.43	7.43
Non Interest Income, 3 Yr. CAGR %	40.44	19.7	27.4	5.21	11.65
Provision For Loan Losses, 3 Yr. CAGR %	434.18	37.45	70.21	81.83	35.19
Total Revenues, 3 Yr. CAGR %	38.15	19.29	25.78	3.97	10.95
Earnings From Cont. Operations, 3 Yr. CAGR %	22.92	48.68	-5.54	-6.28	-16
Net Income, 3 Yr. CAGR %	19.17	49.36	-9	-6.45	-16.16
Normalized Net Income, 3 Yr. CAGR %	18.66	47.3	-15.39	-9.7	-16.86
Diluted EPS Before Extra, 3 Yr. CAGR %	19.18	47.46	-5.61	-9.58	-18.97
Dividend Per Share, 3 Yr. CAGR %	-	50.61	-7.44	-4.05	-13.5
Gross Loans, 3 Yr. CAGR %	6.69	-1.06	21.24	15.33	9.91
Allowance For Loan Losses, 3 Yr. CAGR %	28.33	27.75	49.44	62.8	49.37
Net Loans, 3 Yr. CAGR %	6.47	-1.36	20.79	14.3	8.93
Non Performing Loans, 3 Yr. CAGR %	-	0.67	-	78.35	79.79
Non Performing Assets, 3 Yr. CAGR %	-	0.67	-	78.35	79.79
Total Assets, 3 Yr. CAGR %	13.06	8.63	12.41	10.83	10.01
Total Deposits, 3 Yr CAGR %	7.56	-4.7	28.36	1.25	3
Tangible Book Value, 3 Yr. CAGR %	13.77	20.17	15.33	14.33	9.25
Common Equity, 3 Yr. CAGR %	13.32	19.67	15.35	14.27	9.26
Total Equity, 3 Yr. CAGR %	10.83	14.89	15.26	14.46	9.43
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	18.96	20.41	14.11	10.83	11.27
Non Interest Income, 5 Yr. CAGR %	32.08	22.27	29.45	19.72	12.23
Provision For Loan Losses, 5 Yr. CAGR %	125.8	311.16	218.83	70.17	43.89
Total Revenues, 5 Yr. CAGR %	30.58	21.83	27.74	18.09	11.85
Earnings From Cont. Operations, 5 Yr. CAGR %	21.54	45.44	6.68	5.69	6.62
Net Income, 5 Yr. CAGR %	21.64	44.54	4.53	5.95	4.23
Normalized Net Income, 5 Yr. CAGR %	23.55	44.77	-2.26	3.17	5.59
Diluted EPS Before Extra, 5 Yr. CAGR %	21.65	44.57	4.54	3.01	4.4
Dividend Per Share, 5 Yr. CAGR %	-	-	-	8.04	6.54
Gross Loans, 5 Yr. CAGR %	29.34	28.03	12.29	3.61	14.91
Allowance For Loan Losses, 5 Yr. CAGR %	22.42	32.08	37.8	43.6	47.45
Net Loans, 5 Yr. CAGR %	29.46	27.97	11.95	2.91	14.19
Non Performing Loans, 5 Yr. CAGR %	-	-	33.67	33.74	-
Non Performing Assets, 5 Yr. CAGR %	-	-	33.67	33.74	-
Total Assets, 5 Yr. CAGR %	17.45	17.06	12.11	8.42	12.44
Total Deposits, 5 Yr CAGR %	22.14	22.39	5.69	-4.36	19.62
Tangible Book Value, 5 Yr. CAGR %	12.27	17.31	15	14.42	14.13
Common Equity, 5 Yr. CAGR %	12.1	16.98	14.77	14.17	14.04
Total Equity, 5 Yr. CAGR %	12.18	16.25	13.25	11.51	14.1