Toss Bank said on the 31st that it posted a net profit of 96.8 billion won last year. That was up 112% from the previous year's 45.7 billion won, marking a second straight annual profit following 2024.
As of the end of last year, Toss Bank recorded an outstanding loan balance of 15.3506 trillion won and deposits of 30.0686 trillion won, continuing its year-over-year growth. In particular, deposits surpassed 30 trillion won, led by innovative products such as the "split-and-save account." The share of time deposits was 45%, up 5.6 percentage points from a year earlier, achieving both stability in the funding structure and qualitative growth.
The share of guaranteed loans expanded to 38%, and the outstanding balance of jeonwolse deposit loans rose 76% year over year to 4.1066 trillion won. It also supplied 209.9 billion won in guaranteed loans for sole proprietors.
As of the end of last year, the number of customers increased to 14.23 million, bolstering the platform's competitiveness. Subscribers to the "child account" for minors topped 1 million, and users of the asset management service "lump-sum investing" reached 230,000, up 31% from a year earlier. The share of loans to mid- to low-credit borrowers was 34.9%, maintaining the highest level among first-tier financial institutions. The annual supply of Sunshine Loans was 502.3 billion won.
The delinquency rate was 1.11%, down from 1.19% a year earlier, and the ratio of substandard-or-below loans was 0.85%. The loan-loss reserve coverage ratio was 321.95%. The BIS capital adequacy ratio was 16.24%, up from 15.90% a year earlier.