138930 - BNK Financial Group, Inc.

138930 Summary

Holding Companies

Stock Price & Overview

₩15,390 -430 (-2.72%) Close · Sep 4, 2026 KST

KOSPI | ₩KRW | Close: ₩15,390 ≈ US$11 · Market cap ₩4.7tn (≈ $3.4bn)

138930 Financial Statements

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Selling, General & Administrative	-1.69	-1.57	-1.48	-1.52	-1.60
Operating Income	0.90	0.88	0.80	1.16	1.09
Pretax Income	1.09	0.99	0.88	1.13	1.10
Income Tax Expense	-0.26	-0.24	-0.20	-0.29	-0.28
Net Income	0.84	0.75	0.68	0.83	0.82
Total Comprehensive Income	0.73	0.76	0.80	0.79	0.76
Net Interest Income	2.95	2.98	2.91	2.92	2.57
Interest Income	6.47	6.95	6.69	4.78	3.55
Interest Expense	-3.52	-3.97	-3.79	-1.86	-0.98
Net Fee & Commission Income	0.18	0.22	0.24	0.39	0.46
Credit Loss Provisions	—	—	—	0.55	0.40

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	161.10	152.47	145.78	136.93	128.27
Property, Plant & Equipment	1.24	1.26	1.29	1.21	1.16
Intangible Assets	0.31	0.27	0.27	0.28	0.29
Total Liabilities	149.85	141.32	135.11	126.14	118.07
Total Equity	11.24	11.15	10.67	10.79	10.21
Share Capital	1.63	1.63	1.63	1.63	1.63
Retained Earnings	8.02	7.60	7.12	6.77	6.19

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Cash from Operating Activities	-2.02	-1.34	-0.01	3.61	-0.66
Cash from Investing Activities	0.22	-1.39	-2.34	-1.02	-1.38
Purchase of Property, Plant & Equipment	0.09	0.08	0.12	0.10	0.10
Cash from Financing Activities	2.73	3.15	1.42	-1.65	2.69
Dividends Paid	0.26	0.20	0.23	0.18	0.10
Net Change in Cash	0.92	0.48	-0.92	0.95	0.66

Breakdown ₩ tn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Selling, General & Administrative	0.43	-0.42	-0.54	-0.38	-0.40	-0.38	-0.43	-0.37	-0.38	-0.38
Operating Income	0.24	0.28	0.06	0.38	0.26	0.21	0.03	0.24	0.29	0.31
Pretax Income	0.28	0.28	0.07	0.40	0.40	0.23	0.04	0.29	0.32	0.34
Income Tax Expense	0.07	-0.07	-0.02	-0.10	-0.08	-0.06	-0.01	-0.07	-0.07	-0.09
Net Income	0.21	0.22	0.05	0.30	0.31	0.17	0.03	0.22	0.25	0.25
Total Comprehensive Income	0.21	0.14	-0.01	0.30	0.32	0.12	0.04	0.24	0.26	0.22
Net Interest Income	0.72	0.76	0.77	0.74	0.71	0.74	0.75	0.75	0.74	0.74
Interest Income	1.65	1.59	1.60	1.58	1.63	1.66	1.72	1.73	1.75	1.76
Interest Expense	0.93	-0.83	-0.83	-0.84	-0.92	-0.93	-0.97	-0.98	-1.01	-1.02
Net Fee & Commission Income	0.07	0.07	0.04	0.05	0.04	0.05	0.04	0.06	0.05	0.07
Credit Loss Provisions	—	—	—	—	—	—	—	—	0.20	0.17

Breakdown ₩ tn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Total Assets	167.48	163.10	161.10	158.41	155.53	153.91	152.47	150.88	150.09	148.97
Property, Plant & Equipment	1.26	1.28	1.24	1.22	1.22	1.24	1.26	1.26	1.27	1.29
Intangible Assets	0.31	0.31	0.31	0.30	0.31	0.32	0.27	0.26	0.27	0.28
Total Liabilities	156.03	151.85	149.85	147.24	144.48	142.96	141.32	139.75	139.01	138.14
Total Equity	11.45	11.25	11.24	11.17	11.06	10.96	11.15	11.12	11.08	10.83
Share Capital	1.63	1.63	1.63	1.63	1.63	1.63	1.63	1.63	1.63	1.63
Retained Earnings	8.25	8.10	8.02	8.07	7.86	7.60	7.60	7.59	7.46	7.23

Breakdown ₩ tn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Cash from Operating Activities	1.48	-2.70	-1.27	-0.30	0.31	-0.76	-0.15	-0.78	-0.18	-0.22
Cash from Investing Activities	-0.15	-0.89	-0.03	-0.16	0.78	-0.38	-0.09	0.20	-0.63	-0.87
Purchase of Property, Plant & Equipment	0.02	0.06	0.03	0.02	0.03	0.01	0.03	0.01	0.02	0.02
Cash from Financing Activities	-0.01	1.82	1.94	0.91	-0.06	-0.05	1.27	0.09	0.95	0.85
Dividends Paid	—	—	0.04	0.04	0.18	0.00	0.00	0.06	0.13	0.00
Net Change in Cash	1.28	-1.73	0.63	0.46	1.02	-1.18	1.07	-0.50	0.14	-0.23

Consolidated (CFS), from DART. 5 fiscal years and 10 quarters. Accounts matched on IFRS account_id, not Korean labels, so the same line holds across years where the Korean wording changed. Quarterly figures are three-month values: income quarters from DART's three-month column, cash-flow quarters differenced from DART's cumulative figures, and Q4 as annual minus nine-month cumulative.

138930 Growth

FY2025 ₩bn	Latest	1-yr	3-yr CAGR	5-yr CAGR	10-yr CAGR
Revenue	—	—	—	—	—
Operating income	902.7	+3.1%	-7.9%	—	—
Net income	836.2	+11.5%	+0.1%	—	—
EPS	₩2,725	+11.5%	+0.1%	—	—
Operating cash flow	-2,023.8	—	—	—	—
Shareholders' equity	11,241.8	+0.8%	+1.4%	—	—

Compound annual growth from the DART annual statements on this page. n/m where either end of the period is a loss or missing. EPS uses today's share count for every year.

138930 Profitability

Ratio	FY2025	FY2024	FY2023	FY2022	FY2021
Operating margin	—	—	—	—	—
Net margin	—	—	—	—	—
Return on equity	7.5%	6.9%	6.3%	7.9%	8.0%
Return on assets	0.5%	0.5%	0.5%	0.6%	0.6%
Operating cash flow / revenue	—	—	—	—	—
Capex / revenue	—	—	—	—	—

Margins divide by revenue for the same year. Return on equity and assets divide net income by the average of that year's and the prior year's balance, as DART reports them (consolidated, including minority interests).

Similar to 138930

Symbol	Last Price
180640Hanjin KAL	₩146,000 +9.1%
000880Hanwha Corporation	₩137,400 +2.8%
175330JB Financial Group Co., Ltd.	₩31,000 -1.9%
010060OCI Holdings Company Ltd.	₩227,500 +0.0%
001040CJ Corp.	₩131,400 +2.3%
008930Hanmi Science	₩52,800 +2.5%
139130iM Financial Group	₩18,120 -4.9%
004990Lotte Corporation	₩24,750 -0.4%
000240Hankook & Company	₩24,550 +0.6%
009970Youngone Holdings Co., Ltd.	₩170,900 -0.3%

Compare all 36 in Holding Companies

What a US investor should know

Trading hours09:00–15:30 KST — 20:00–02:30 US Eastern the night before.
Daily limitKorean stocks can move at most ±30% in a session before trading halts.
Getting exposureKRX shares are not directly tradable in most US brokerage accounts. The usual routes are Korea ETFs or an international account.
ReportingKorean issuers file to DART, not the SEC. Half-year and quarterly reports land about 45 days after period end.