Toss Bank posted a first-half net profit of 58.9 billion won this year, its highest performance for any half-year period.

Toss Bank said on Sunday that its net profit for the first half of 2026 came to 58.9 billion won, up 46 percent from 40.4 billion won a year earlier. Second-quarter net profit was 29.4 billion won, up 7.7 billion won from 21.7 billion won in the same period last year.

Loans outstanding stood at 15.64 trillion won, up 3.3 percent from a year earlier. Outstanding jeonse and monthly rent deposit loans came to 4.51 trillion won, up 47 percent from 3.07 trillion won a year earlier. Loans for young people, multi-child households and debt rehabilitation recipients accounted for 44 percent of total jeonse and monthly rent loan supply.

It also expanded the supply of policy finance for low-income borrowers. Toss Bank recorded cumulative supply of 1 trillion won in the first half of this year. In the second quarter, it supplied 490.0 billion won, including policy finance such as Haetsal Loan and Saetdol and mid-interest-rate products. The share of guaranteed loans in total lending rose to 39.5 percent from 29.0 percent in the first half of last year.

Deposits stood at 27.07 trillion won, down from 30.05 trillion won a year earlier. New openings of its flagship demand deposit product, the Toss Bank Account, totalled 1.3 million in the first half, up 42 percent from a year earlier. Foreign currency accounts reached a cumulative 3.4 million as of the end of the first half, and first-half currency exchange volume was 11 trillion won.

Non-interest profit and loss remained in the red at minus 3.5 billion won, but narrowed from minus 27.0 billion won a year earlier. As of the end of June, cumulative linked sales of its 'Invest Lump Sums' product totalled 29 trillion won, up about 12 trillion won from a year earlier, and debit card transaction value rose 27 percent over the same period.

Asset quality indicators also improved. The delinquency rate at the end of the first half was 1.05 percent, down 0.15 percentage point from 1.20 percent a year earlier. The non-performing loan ratio was 0.91 percent, down 0.07 percentage point from 0.98 percent a year earlier. The loan loss coverage ratio was 315.59 percent and the BIS total capital ratio was 16.64 percent.

Nominal net interest margin was 2.57 percent, unchanged from a year earlier.

Toss Bank plans to step up fund sales brokerage in the second half and introduce a customised banking system for sole proprietors. It also plans to apply AI across its operations and push ahead with building an AI agent for customer counselling.

A Toss Bank official said, "In the second half, we will not stop at providing financial products, but continue responsible inclusive finance as a bank that solves customers' problems together."