KakaoBank Q1 2026 Net Income 187.3B KRW (+36%), Expanded Shareholder Returns and Solid Asset Quality

Net income of 187.3B KRW (YoY +36.3%), ROE 11.36% (annualized), continuing strong earnings growth.
BIS total capital ratio of 22.18%, well above regulatory requirement (10.5~13%), indicating robust capital adequacy.
NPL ratio of 0.53% and delinquency rate of 0.51%, with loan loss provision coverage of 214.99%, maintaining stable asset quality.
Net interest margin (NIM) of 2.00% (vs 2.09% in prior year), won-denominated loan-deposit spread of 2.40%.
Shareholder payout ratio of 45.64% for FY2025 dividend, with plan to expand up to 50% subject to BIS ratio conditions under value-up program.
Deposits reached 69.4T KRW (+1.5T from year-end), loans at 47.7T KRW (+0.8T), market share increased to 4.6%.
Launched 7 generative AI services including AI Search and AI Transfer, and advanced JV for digital bank in Thailand with SCB X.
Achieved MSCI ESG AAA rating and ranked No.1 in internet banking customer satisfaction for 5 consecutive years.