diff --git a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/TalkTabFragment.kt b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/TalkTabFragment.kt
index bc2fe5f9..41e4ca23 100644
--- a/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/TalkTabFragment.kt
+++ b/app/src/main/java/kr/co/vividnext/sodalive/chat/talk/TalkTabFragment.kt
@@ -4,12 +4,15 @@ import android.graphics.Rect
 import android.os.Bundle
 import android.view.View
 import android.widget.Toast
+import androidx.recyclerview.widget.ConcatAdapter
 import androidx.recyclerview.widget.LinearLayoutManager
 import androidx.recyclerview.widget.RecyclerView
+import kr.co.vividnext.sodalive.BuildConfig
 import kr.co.vividnext.sodalive.R
 import kr.co.vividnext.sodalive.base.BaseFragment
 import kr.co.vividnext.sodalive.chat.talk.room.ChatRoomActivity
 import kr.co.vividnext.sodalive.common.LoadingDialog
+import kr.co.vividnext.sodalive.common.YandexInlineBannerHeaderAdapter
 import kr.co.vividnext.sodalive.databinding.FragmentTalkTabBinding
 import kr.co.vividnext.sodalive.extensions.dpToPx
 import org.koin.android.ext.android.inject
@@ -20,6 +23,7 @@ class TalkTabFragment : BaseFragment<FragmentTalkTabBinding>(
     private val viewModel: TalkTabViewModel by inject()
 
     private lateinit var adapter: TalkTabAdapter
+    private lateinit var bannerAdapter: YandexInlineBannerHeaderAdapter
 
     private lateinit var loadingDialog: LoadingDialog
 
@@ -34,7 +38,17 @@ class TalkTabFragment : BaseFragment<FragmentTalkTabBinding>(
         viewModel.refreshTalkRooms()
     }
 
+    override fun onDestroyView() {
+        bannerAdapter.destroy()
+        super.onDestroyView()
+    }
+
     private fun setupRecyclerView() {
+        val headerCount = 1
+        bannerAdapter = YandexInlineBannerHeaderAdapter(
+            adUnitId = BuildConfig.YANDEX_INLINE_BANNER_TALK_TAB_AD_UNIT_ID,
+            screenWidth = screenWidth
+        )
         adapter = TalkTabAdapter {
             startActivity(
                 ChatRoomActivity.newIntent(
@@ -56,16 +70,28 @@ class TalkTabFragment : BaseFragment<FragmentTalkTabBinding>(
             ) {
                 super.getItemOffsets(outRect, view, parent, state)
 
+                val position = parent.getChildAdapterPosition(view)
+                if (position < headerCount) {
+                    outRect.set(0, 0, 0, 0)
+                    return
+                }
+
+                val adjustedPosition = position - headerCount
+                val lastItemPosition = adapter.itemCount - 1
+
                 outRect.left = 24f.dpToPx().toInt()
                 outRect.right = 24f.dpToPx().toInt()
 
-                when (parent.getChildAdapterPosition(view)) {
+                when (adjustedPosition) {
                     0 -> {
-                        outRect.top = 24f.dpToPx().toInt()
-                        outRect.bottom = 12f.dpToPx().toInt()
+                        outRect.bottom = if (adjustedPosition == lastItemPosition) {
+                            24f.dpToPx().toInt()
+                        } else {
+                            12f.dpToPx().toInt()
+                        }
                     }
 
-                    adapter.itemCount - 1 -> {
+                    lastItemPosition -> {
                         outRect.top = 12f.dpToPx().toInt()
                         outRect.bottom = 24f.dpToPx().toInt()
                     }
@@ -81,7 +107,7 @@ class TalkTabFragment : BaseFragment<FragmentTalkTabBinding>(
         recyclerView.apply {
             val lm = LinearLayoutManager(requireContext())
             layoutManager = lm
-            adapter = this@TalkTabFragment.adapter
+            adapter = ConcatAdapter(bannerAdapter, this@TalkTabFragment.adapter)
 
             // 스크롤 로딩 리스너: 끝에 도달하면 다음 페이지 로드
             addOnScrollListener(object : RecyclerView.OnScrollListener() {
@@ -109,7 +135,7 @@ class TalkTabFragment : BaseFragment<FragmentTalkTabBinding>(
                 adapter.submitList(it)
             } else {
                 adapter.submitList(emptyList())
-                binding.rvTalk.visibility = View.GONE
+                binding.rvTalk.visibility = View.VISIBLE
                 binding.tvEmpty.visibility = View.VISIBLE
                 binding.tvEmpty.setText(R.string.screen_chat_talk_empty)
             }
diff --git a/app/src/main/res/layout/fragment_talk_tab.xml b/app/src/main/res/layout/fragment_talk_tab.xml
index ddf2a6f1..ce117af8 100644
--- a/app/src/main/res/layout/fragment_talk_tab.xml
+++ b/app/src/main/res/layout/fragment_talk_tab.xml
@@ -24,8 +24,8 @@
         android:textSize="20sp"
         android:fontFamily="@font/regular"
         android:visibility="gone"
-        app:layout_constraintTop_toTopOf="parent"
         app:layout_constraintBottom_toBottomOf="parent"
+        app:layout_constraintTop_toTopOf="parent"
         app:layout_constraintStart_toStartOf="parent"
         app:layout_constraintEnd_toEndOf="parent" />
 </androidx.constraintlayout.widget.ConstraintLayout>