Toss Bank, although reduced in weight
at 34.9%, ranks highest among the three,
,
, ‘[Seoul Economy]’,
,
, ‘In the second quarter of this year, the proportion of loans to medium and low credit borrowers by internet specialized banks (Kakao, K Bank, Toss Bank) exceeded the target of 30%. Kakao Bank supplied 1.26 trillion won in new credit loans to medium and low credit borrowers in the first half of this year alone.’,
,
, ‘According to the announcement by the Korea Federation of Banks on the 23rd, the proportion of credit loans targeting medium and low credit borrowers among internet banks in the second quarter was 32.4% for Kakao Bank, 33.3% for K Bank, and 34.9% for Toss Bank.’,
,
, ‘This figure represents the proportion of credit loans for individuals with credit ratings below the lower 50% mark based on KCB’s credit score, including personal credit loans, self-employed credit loans, and loans exceeding the guarantee limit in the total household credit loan balance of credit loan banks.’,
,
, ‘Kakao Bank set a record high with approximately 4.7 trillion won in medium and low credit loans outstanding. Toss Bank’s loan balance was recorded at 4.216 trillion won. K Bank supplied 575 billion won in new credit loans to medium and low credit borrowers in the first half of this year. Kakao Bank and Toss Bank each supplied 1.26 trillion won and 867.3 billion won in new credit loans to medium and low credit borrowers, respectively, in the first half of this year.’,
,
, ‘Financial authorities annually set and announce the target proportion of loans for medium and low credit borrowers. As internet banks in 2021 aimed to expand the supply of loans to medium and low credit borrowers upon establishment, the authorities aim to particularly manage this aspect. Starting this year, the authorities changed the calculation method of the proportion of loans to medium and low credit borrowers from end-of-year balance to average balance, and unified the target proportion of loans to medium and low credit borrowers to 30%.’,
,
, ‘An internet banking official stated, “We have practiced inclusive finance by expanding loans to medium and low credit borrowers,” adding, “We will continue to provide financial services that enhance benefits for medium and low credit borrowers, as well as individual business owners.”‘,
,