1. KakaoBank IR: What was discussed?

On August 19, 2025, KakaoBank held an Investor Relations (IR) meeting for domestic institutional investors. Following the announcement of strong Q1 results, KakaoBank focused on its platform business expansion strategy and its response to intensifying fintech competition.

2. Why is it important?

KakaoBank is Korea’s leading internet-only bank, boasting 25.45 million customers, KRW 60.4 trillion in deposits, and KRW 44.3 trillion in loans. This IR provided important indicators for gauging KakaoBank’s future growth potential and is expected to significantly influence its stock price.

3. Key Takeaways and Investor Action Plan

a. Platform Business: The Core Growth Driver

  • KakaoBank highlighted the success of its platform business, including surpassing 6.99 million securities accounts opened.
  • The company presented its strategy to target younger demographics through KakaoBank mini and its vision to become a financial super app.
  • Investors should carefully analyze the sustainability of platform business growth and potential for profit improvement.

b. Macroeconomic Uncertainty: Risk Management Strategy

  • KakaoBank explained its strategies to address high interest rates and economic slowdown.
  • It emphasized its robust financial health, with a BIS ratio of 26.08% and a non-performing loan ratio of 0.51%, appealing to investors with its stability.
  • Investors should monitor changes in asset quality due to macroeconomic shifts.

c. Intensifying Competition: Differentiation Strategy

  • KakaoBank presented its differentiation strategy to maintain a competitive edge against fintech and big tech companies.
  • It highlighted its strengths, including AI-powered service innovation and user-friendly UX/UI.
  • Investors should continuously monitor whether KakaoBank can maintain its competitive advantages.