Investor Presentaiton

Kakao Bank No.1 Online Banking with Innovative User-Friendly Technology B Kakao Bank Key Indices 18.6 M Customer Base W33.0 tn Deposit W26.0 tn W88.4 bn Loan 1Q Operating Profit MAU 15 M #1 Mobile Banking App +30% YoY Solid Growth from Fee Revenue + Platform Revenue Interest Revenue ■Fee Revenue Platform Revenue Others (Wbn) Fee + Platform =22% +20% YoY NIM 2.22% Net Profit (M) 1.2 1.8 0.7 29.2 23.5 46.3 25.3 47.7 13.7 18.3 0.9 22.2 43.6 38.5 40.2 (Wbn) Fee Income Debit Card Firm Banking Open Banking 27.3% 20.7% 18.8% 19.7% FX remittance Securities Account 11.7% 264.2 237.5 Loan Referral 203.8 165.5 179.2 69.3 Platform Co-branded 66.8 46.7 52.0 36.2 Income Credit Card Advertisement 1Q21 2Q21 3Q21 4Q21 1Q22 Mini 1Q21 2Q21 3Q21 4Q21 1Q22 1) Key Indices as of 1Q22 2) Kakao Bank's financials are recognized as equity method gains 17

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