Details of classification of expenses by nature for the years ended December 31, 2025, 2024 and 2023 are as follows:


	2025		2024		2023
	(In millions of Korean won)
Advertising expenses	₩	44,738	₩	38,731	₩	13,661
Fees and commissions	346,782		293,302		472,324
Lease expenses	1,610		1,380		1,292
Bad debt	752		589		1,402
Outsourcing expenses	7,415		9,215		13,053
Salaries	55,455		50,092		44,339
Expenses related to defined contribution and benefit plans	3,692		3,022		2,505
Employee benefits	5,057		4,538		4,256
Depreciation	6,211		6,023		5,252
Amortization	4,608		3,211		2,406
Other expenses	5,198		4,553		4,020
Total	₩	481,518	₩	414,656	₩	564,510