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# KakaoBank Achieves Record Nine-Month Profit of KRW 375.1 Billion in 2025 as Deposits Grow 21%
- URL: https://www.theglobalbanker.com/kakaobank-achieves-record-nine-month-profit-of-krw-375-1-billion-in-2025-as-deposits-surge/
- Published: 2025-11-05T16:26:00.000Z
- Updated: 2026-10-02T14:18:59.000Z
- Description: KakaoBank's cumulative nine-month 2025 net profit reached a record KRW 375.1 billion, up 5.5% year-on-year, as deposit balances grew 21% and non-interest income rose 26.7%.
- Author: TGB Editorial Team
- Tags: Banking News, Asia-Pacific, #archive

KakaoBank reported cumulative nine-month net profit of KRW 375.1 billion for the period ending September 2025, a record for any nine-month period in the South Korean digital bank's history and a 5.5 per cent increase over the same period in 2024\. Nine-month operating revenue reached KRW 2.33 trillion, with non-interest income up 26.7 per cent to KRW 835.2 billion, the bank said in its earnings release on 5 November 2025.

KakaoBank operates entirely through a smartphone application without physical branches. The record nine-month figure came even though third-quarter net profit fell 10.3 per cent year-on-year to KRW 111.4 billion.

#### DEPOSITS AND PLATFORM REVENUE

Deposit balances grew to KRW 65.7 trillion as of the end of the third quarter, a 21 per cent year-on-year increase. 

Fee and platform revenue, which includes income from the bank's loan-comparison, advertising and investment services, rose 4.7 per cent year-on-year to KRW 231.2 billion in the first nine months. KakaoBank has been expanding its loan-comparison, advertising and investment platform services.

Non-interest income rose 26.7 per cent to KRW 835.2 billion, lifting its share of operating revenue to 36 per cent from 30 per cent a year earlier.

#### NINE-MONTH PROFIT

The KRW 375.1 billion cumulative net profit for the first nine months of 2025 is equivalent to approximately 259 million US dollars.

The record came despite a narrower net interest margin amid falling market rates and tighter household-lending rules in South Korea, which pushed nine-month interest income down 3.1 per cent.