Toss Bank said on the 28th that it posted cumulative nine-month net profit of 81.4 billion won for the third quarter. The result rose from 34.5 billion won a year earlier, up 136.24 percent. The company said it expanded non-interest income by strengthening platform competitiveness and fund management ability, achieving internal improvement despite limited loan growth.

Toss Bank had 13.7 million customers in the third quarter, up 23 percent from 11.1 million a year earlier. Its own monthly active users reached 9.81 million, up 26.3 percent, maintaining a top-tier level among first-tier banks.

Non-interest income reached 129.6 billion won in the quarter, up 52 percent from 85.4 billion won a year earlier. The WM segment exceeded cumulative linked volume of 20 trillion won and expanded its portfolio to nine partners and about 2,000 products, rising 39 percent from a year earlier. Spending on customised cashback-based debit and PLCC cards grew 42 percent and accounted for 72 percent of total fee income.

Asset management also delivered qualitative growth. Toss Bank recorded cumulative asset management income of 344.2 billion won in the third quarter, up 11.38 percent from a year earlier. Fund management interest income accounted for about 32 percent of total interest income, increasing the share of operating gains in a lending-focused structure.

Non-interest profit, including fee costs, posted a loss of 33.4 billion won but narrowed from a loss of 43.4 billion won a year earlier, reducing the deficit by more than 23 percent. Total customers exceeded 14 million at the end of November, which the bank said reaffirmed its platform-based growth potential.

As of the end of the third quarter of 2025, loan balances stood at 15.45 trillion won and deposits at 30.4 trillion won, both up from 14.7 trillion won and 27.66 trillion won a year earlier. Total assets reached 33.28 trillion won. The share of guaranteed loans rose to 36.1 percent from 22.4 percent. Nominal net interest margin was 2.56 percent, slightly up from 2.49 percent a year earlier.

Credit quality indicators improved. The third-quarter 2025 loan-loss reserve ratio rose to 309.7 percent from 230 percent a year earlier. Delinquency fell to 1.07 percent from 1.20 percent in the previous quarter, and the NPL ratio stayed at 0.84 percent. The BIS capital adequacy ratio reached 16.55 percent, up from 15.62 percent a year earlier.

A Toss Bank official said the bank is strengthening core competitiveness despite limits on loan growth and economic uncertainty and is realising its value of boundary-free inclusion. The official said the bank will pursue sustainable growth through customer-centric innovation and an expanded platform-based financial ecosystem.