Toss Bank reported record first-half 2026 net profit of ₩58.9 billion ($43.1 million), up 46% from ₩40.4 billion a year earlier, according to results disclosed on Aug. 31. Second-quarter profit rose to ₩29.4 billion from ₩21.7 billion. Total loans grew 3.3% year over year to ₩15.64 trillion, while jeonse deposit loans climbed 47% to ₩4.51 trillion. Lending to young adults, multi-child households and credit-recovery borrowers represented 44% of jeonse loan supply. Inclusive policy finance, including Sunshine Loan and Saitdol, reached ₩1 trillion in the first half, and guaranteed loans rose to 39.5% of total lending from 29.0%. Asset quality improved, with delinquency falling to 1.05%, the NPL ratio to 0.91% and the loan loss reserve coverage ratio rising to 315.59%. Deposits declined to ₩27.08 trillion, but 1.3 million new accounts were opened and the customer base reached 15.66 million before exceeding 16 million in mid-August. The non-interest loss narrowed sharply, while the nominal NIM held at 2.57%. Toss Bank plans to expand fund sales brokerage, introduce customized banking for sole proprietors and apply artificial intelligence across operations, including customer service, in the second half.