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KakaoBank
KakaoBank (323410) investor relations material
KakaoBank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Customer base expanded by 1.82 million year-on-year, reaching 26.7 million at end-2025, with record-high engagement metrics (MAU 20 million, WAU 14.7 million).
Deposits grew 24% year-on-year to KRW 68.3 trillion, driven by new products and group account growth.
Loans increased 9% year-on-year, supported by policy-backed, SOHO, and Bogeumjari loans.
Operating profit for 2025 rose 7% year-on-year to KRW 649.4 billion, with Q4 operating profit up 26% year-on-year to KRW 145.1 billion, supported by treasury management gains and lower SG&A costs.
Superbank in Indonesia turned profitable, listed on IDX in Dec 2025, tripling its enterprise value since initial investment and contributing significant valuation gains.
Financial highlights
Q4 operating revenue was KRW 759 billion, up 2% year-on-year, mainly from interest income.
Net profit for Q4 2025 was KRW 105.2 billion, up 24.5% year-on-year.
Net interest margin (NIM) improved to 1.94% in Q4, up 13 bps quarter-on-quarter, with full-year NIM stable at 1.94%.
SG&A expenses fell 13% year-on-year in Q4, mainly due to a one-off labor cost reversal of KRW 20 billion and a 32.1% reduction in labor costs.
Cost-to-income ratio improved to 36.4% in 2025 from 37.3% in 2024.
Outlook and guidance
Loan growth in 2026 expected to be consistent with 2025, focusing on policy-backed and SOHO loans amid regulatory controls.
NIM projected to rise slightly in 2026 if benchmark rates remain stable.
Fee and platform income targeted to grow over 20% year-on-year in 2026, with advertising and loan comparison services as key drivers.
Treasury management profits expected to rise through high-yield bond purchases and diversified fund investments.
Expansion into Thailand's virtual banking market planned for 2026, with new services in foreign currency, crypto, and mortgages in the pipeline.
Thailand virtual bank JV strategy
My Kids Service's impact on future growth
Together Loan's platform revenue strategy
M&A targets: payment/settlement or capital lender
Funding cost reduction despite low-cost deposit share
BaaS application: investment vs deposit growth
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Next KakaoBank earnings date
Q1 20266 May, 2026
KakaoBank
Next KakaoBank earnings date
Q1 20266 May, 2026
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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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