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The scale of Toss’s ‘Toss Bank CEO Loan’, which has been launched for a year, has exceeded KRW 1.5 trillion. In particular, half of the users were low- and mid-credit borrowers.
Toss Bank announced on the 20th that the balance of its non-face-to-face individual business loan product, ‘Toss Bank CEO Loan’, has exceeded KRW 1.5 trillion in just one year.
The ‘Toss Bank CEO Loan’, which Toss Bank introduced in February of last year, is the first non-face-to-face, unsecured, and uncollateralized credit loan among internet-only banks. The bank explained that in January of this year alone, the supply scale reached KRW 183 billion, and that one out of four loans to all banks operating individual business loans was made by Toss Bank.
49.8% of all individual business loans were low- and mid-credit loans. Toss Bank announced that it discovered low- to mid-credit borrowers with real income and repayment ability through its own developed credit rating model (TSS). As a result, it embraced self-employed and small business owners who had been excluded from the first-tier financial sector, and there was a lot of movement from second-tier and third-tier financial sectors such as savings banks and capital companies. According to Toss Bank, many customers who had difficulty getting loans from commercial banks benefited. Those in the transportation industry, warehouse workers, and mining companies who had difficulty getting loans from the first-tier financial sector due to difficulties proving their income received loans from Toss Bank. The proportion is 4.2% of all customers. By industry, wholesale and retail businesses were the largest group, accounting for about one in three customers (32.4%), followed by restaurants (13.3%) and manufacturing (6.7%). A Toss Bank official said, “The response to individual business loans is high, with an average of 1,644 loan applications per day,” and “We have provided timely supplies to small business owners and self-employed individuals who needed emergency business funds, and we will continue to provide support in the future.”
Meanwhile, the CEO loan was processed within an average of 3 minutes from application to execution. Since individual business owners often have difficulty leaving their business premises and going to the bank, the evaluation was positive. A total of 600,000 loan reviews were conducted over the year, and an average of 1,644 loan consultations were conducted per day.
[Intern Reporter Yoon Hye-jin]
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Maeil Business Newspaper
190 Toegye-ro, Jung-gu, Seoul
Date of issue: 2009.11.30 / Registration date: 2009.11.30
Publisher / Editor: Lim Sang-gyun
Internet Newspaper Registration Number: Seoul A01043
Tel: 02) 2000-2114
