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KakaoBank
KakaoBank (323410) investor relations material
KakaoBank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary15 May, 2026
Executive summary
Achieved record net profit of KRW 187.3 billion in Q1 2026, up 36% YoY, driven by customer base expansion, strong global business, and robust growth in net interest and fee income.
Customer base reached 27.27 million (+570,000 YTD), with MAU at an all-time high of 20.55 million.
Maintained robust asset quality and capital adequacy, with a BIS capital ratio of 22.18% and LCR of 933%.
Accelerated rollout of AI-driven services and digital banking enhancements.
Financial highlights
Operating revenue rose 4.4% YoY to KRW 819.3 billion, led by 9.5% YoY growth in interest income.
Net interest income increased 15% YoY to KRW 373.4 billion; fee and commission profit up 47% YoY.
Deposit balance increased 15% YoY to KRW 69.4 trillion; loan balance up 8% YoY to KRW 47.7 trillion.
NIM at 2.00%, ROE at 11.36%, ROA at 0.98%.
Cost-to-income ratio improved to 16.9%.
Outlook and guidance
Plans to expand shareholder return to 50% by 2026, with DPS as the main metric from 2027.
SG&A growth to be controlled within 10% for 2026, with IT and D&A expenses possibly rising 40%+ YoY.
Continued investment in AI, infrastructure, and new product launches, including services for foreign nationals.
Headcount increase for 2026 to be under 100, focused on essential tech and operational roles.
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Latest events from KakaoBank
- Customer and deposit growth strong; net income up 5.5% YoY; AI and returns to expand.323410
Q3 202524 Jun 2026 - Q1 2025 net income up 23.5% YoY to KRW 137.4B, with strong digital and capital performance.323410Q1 202524 Jun 2026
- H1 2025 net income rose to KRW 263.7B, assets hit KRW 71.9T, with robust digital and platform growth.323410Q2 202524 Jun 2026
- Record profit, strong digital and SOHO loan growth, and robust asset quality in H1 2024.323410Q2 202424 Jun 2026
- Record Q3 profit, strong SOHO loan and digital growth, robust capital, and global expansion.323410Q3 202424 Jun 2026
- Strong growth in customers, profits, and deposits, with stable asset quality and global milestones.323410Q4 202513 Apr 2026
- Operating profit up 27% YoY, customer base at 24.88mn, deposits and platform revenue surged.323410Q4 202423 Dec 2025
Next KakaoBank earnings date
Q2 20265 Aug, 2026
KakaoBank
Next KakaoBank earnings date
Q2 20265 Aug, 2026
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