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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
KakaoBank
KakaoBank (323410) investor relations material
KakaoBank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary4 Nov, 2026
Executive summary
Q3 operating revenue rose 15.2% YoY to KRW 880,881 million and operating profit rose 26.9% to KRW 191,784 million; net profit was KRW 141,734 million.
Customer base reached 27.94 million; quarter-end deposits were KRW 71.8 trillion and loans KRW 48.6 trillion.
Financial highlights
Q3 interest revenue rose 20.4% YoY to KRW 739.6 billion; Fee & Platform revenue was KRW 86.8 billion, up 12% YoY.
Pre-tax profit reached KRW 191.6 billion, up 29.5% YoY; operating margin was 16.1%, up 1.5 percentage points.
9M operating profit was KRW 543,375 million versus KRW 504,285 million; net profit was KRW 469,782 million versus KRW 375,073 million.
9M provisions for credit losses were KRW 194,343 million versus KRW 174,716 million; adjusted profit after regulatory credit-loss reserve was KRW 463,343 million versus KRW 340,481 million.
9M total comprehensive income fell to KRW 230,109 million from KRW 345,913 million, including KRW 239,673 million of OCI losses, mainly FVOCI valuation losses.
Outlook and guidance
FY2026 NIM growth guidance remains above 10 bps YoY; Q4 pension-related deposit inflows may pressure NIM.
FY2026 platform revenue growth is expected at 14%–15% YoY, with further growth anticipated in 2027.
ROE roadmap targets the 10% range in 2028, mid-12% in 2029 and the 15% range in 2030.
Interim payment loans are planned for 2027 and SME banking for H1 2028; CIR may rise slightly in 2026 before trending down from 2028.
FY2024–26 shareholder returns may reach 50% if the BIS capital ratio exceeds the prior-year average of major domestic banks; from FY2027, DPS is targeted to remain stable or rise gradually under the same condition.
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Latest events from KakaoBank
- Loan-led growth lifted 2023 profit 35%, with refinancing widening platform reach.323410
Q4 2023 - Net profit up 24% YoY to KRW 328bn, with strong digital growth and robust capital ratios.323410Q2 2026
- Q1 net profit up 36% YoY to KRW 187.3B, with strong digital, loan, and deposit growth.323410Q1 2026
- Strong growth in customers, profits, and deposits, with stable asset quality and global milestones.323410Q4 2025
- Customer and deposit growth strong; net income up 5.5% YoY; AI and returns to expand.323410Q3 2025
- H1 2025 net income rose to KRW 263.7B, assets hit KRW 71.9T, with robust digital and platform growth.323410Q2 2025
- Record profit, strong digital and SOHO loan growth, and robust asset quality in H1 2024.323410Q2 2024
- Record Q3 profit, strong SOHO loan and digital growth, robust capital, and global expansion.323410Q3 2024
- Q1 2025 net income up 23.5% YoY to KRW 137.4B, with strong digital and capital performance.323410Q1 2025
Next KakaoBank earnings date
Q4 20263 Feb, 2027
KakaoBank
Next KakaoBank earnings date
Q4 20263 Feb, 2027
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Frequently asked questions
KakaoBank Corp. is a digital banking company that provides a range of financial services through its mobile-based platform. The company offers banking products such as savings accounts, loans, credit cards, and payment solutions, catering to individuals and businesses. The company is headquartered in Seongnam, South Korea, and its shares are listed on the KRX.