Net Insurance Income (Table)

12 Months Ended

Dec. 31, 2025

Details of net insurance income are as follows (Unit: Korean Won in millions):


	For the year ended December 31, 2025
Insurance service result of insurance contracts		104,164
Insurance income		1,005,778
Estimated incurred claims and other insurance service expenses		664,038
Changes in risk adjustment for non-financial risk		26,471
Amortization of contractual service margin		154,187
Amortization of insurance acquisition cash flows		148,980
Changes in loss recovery component		(288	)
Other insurance income		12,390
Insurance service expenses		901,614
Actual incurred claims and other insurance service expenses		689,461
Amortization of insurance acquisition cash flows		148,980
Changes in liability for incurred claims		23,777
(Reversal of) loss component allocation amount		32,478
Other operating expenses		6,918
Insurance service result of reinsurance contracts		(293	)
Reinsurance income		36,719
Actual incurred claims and reinsurance service expenses		32,341
Changes in asset for incurred claims		3,745
(Reversal of) Loss recovery component allocation amount		633
Reinsurance service expenses		37,012
Estimated incurred claims and reinsurance service expenses		28,120
Changes in risk adjustment for non-financial risk		1,024
Amortization of contractual service margin		7,868

Net insurance income		103,871