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KakaoBank (323410) investor relations material
KakaoBank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Customer base reached 26.24 million, with MAU and WAU at all-time highs, driven by new services like Mobile ID and MyKid, and strong engagement across age groups.
Deposit balance rose to KRW 65.7 trillion, up 21% year-on-year and 3% quarter-on-quarter, maintaining a high low-cost deposit ratio.
Operating revenue for Q3 was KRW 764.7 billion, up 2–2.5% year-on-year, driven by platform and treasury management growth.
Loan balance up 4.9–5% year-on-year, led by SOHO loans, though NIM declined due to asset-liability spread compression.
Operating and net profit declined year-on-year, despite growth in platform and treasury management businesses.
Financial highlights
Q3 deposit balance: KRW 65.7 trillion, up KRW 2 trillion quarter-on-quarter and 21% year-on-year.
Low-cost deposits made up 59% of total, above sector average.
Loan balance at KRW 46.7 trillion, with SOHO loans growing over 9% quarter-on-quarter; household loan growth was minimal.
Q3 NIM was 1.81%, down quarter-on-quarter but above peers.
SG&A expenses increased 17% year-on-year due to higher labor and marketing costs; cumulative CIR at 36.9%.
Outlook and guidance
Loan growth in Q4 expected to improve, driven by Bogeumjari policy loans and SOHO secured loans, but full-year growth likely to fall short of the initial 10% target.
SOHO secured loan segment expected to see full-scale growth from 2026.
Shareholder return ratio targeted to reach up to 50% by 2026, with mid-40% expected for 2025.
CIR expected to rise slightly in 2025 due to labor and IT costs, with improvement efforts planned for 2026.
AI-powered services and stablecoin initiatives planned for late 2025 to enhance platform capabilities.
Revised 2025 loan growth outlook
Stablecoin license impact of Kakao Group legal risk
Q4/2026 RWA outlook and key drivers
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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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