Toss Bank recorded an annual profit for the second consecutive year.
On March 31, Toss Bank said its 2025 net profit was tallied at 96.8 billion won. It rose 51.1 billion won from 45.7 billion won a year earlier, growing by about twofold.
As of end-2025, loans and deposits totalled 15.35 trillion won, and deposit balances stood at 30.03 trillion won. That compares with 14.63 trillion won and 27.53 trillion won a year earlier, up 723.5 billion won and 2.54 trillion won, respectively.
Its customer base also expanded. Customer numbers totalled 14.23 million as of end-2025.
Asset quality indicators also improved. The delinquency rate fell 0.08 percentage points to 1.11 percent from 1.19 percent a year earlier, and the ratio of substandard or below loans was 0.85 percent. The loan loss reserve coverage ratio was 321.95 percent, securing loss-absorption capacity.
Capital adequacy also strengthened. The BIS capital ratio rose 0.34 percentage points to 16.24 percent from 15.90 percent a year earlier.
Ji-young Lee
ljy@d-today.co.kr