Details of classification of expenses by nature for the years ended December 31, 2024, 2023 and 2022 are as follows:


	2024		2023		2022
	(In millions of Korean won)
Advertising expenses	₩	38,731	₩	13,661	₩	29,898
Fees and commissions	293,302		472,324		259,024
Lease expenses	1,380		1,292		1,179
Bad debt	589		1,402		701
Outsourcing expenses	9,215		13,053		11,415
Salaries	50,092		44,339		40,315
Expenses related to defined contribution and benefit plans	3,022		2,505		2,255
Employee benefits	4,538		4,256		3,895
Depreciation	6,023		5,252		5,145
Amortization	3,211		2,406		1,917
Other expenses	4,553		4,020		3,032
Total	₩	414,656	₩	564,510	₩	358,776