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Investor Relations14 Oct 2025
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KakaoBank (A323410) investor relations material
KakaoBank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Customer base reached 25.86 million, with 1 million new users in H1 2025 and record-high MAU and WAU, reflecting strong engagement across all age groups.
Deposit balance reached KRW63.7 trillion, up 19% year-over-year, and operating profit for H1 2025 was KRW353.2 billion, up 0.2% year-over-year.
Platform revenue rose 13% year-over-year, with new AI-powered services and expanded product offerings driving increased user activity.
Financial highlights
Q2 operating revenue was KRW778 billion, up 6% year-over-year but down 1% sequentially due to lower dividend income and NPL sales.
Deposit balance grew 5% quarter-on-quarter and 19% year-over-year; loan balance increased 1% quarter-on-quarter and 5% year-over-year to KRW44.8 trillion.
Fee and platform revenue rose 7.7% year-over-year, with non-loan interest revenue up 6.2%.
Financial investment AUM rose to KRW25.2 trillion, with investment profits up KRW16.2 billion quarter-on-quarter.
SG&A expenses increased 10.2% year-over-year, mainly due to higher IT and labor costs.
Outlook and guidance
Full-year loan growth expected near 10%, with SOHO and policy loans driving growth amid tighter household lending controls.
NIM guidance revised to 1.9% for 2025, reflecting deposit growth and anticipated rate cuts.
Fee and platform business growth may fall below previous double-digit guidance due to lower merchant fees and regulatory impacts.
Plans to expand mortgage loan coverage with Bogeumjari Loan and broaden payment services via PLCC.
Global expansion continues, with successful entry into Indonesia and selection as a virtual banking licensee in Thailand.
Elaborate on KakaoBank's stablecoin strategy.
Assess sustainability of low-cost deposit gap.
How will AI transform KakaoBank's user experience?
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Next KakaoBank earnings date
Q3 20255 Nov, 2025
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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.
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