[토스뱅크 성장공식]② 보증대출 꽂힌 성과…포용금융·건전성 모두 잡았다

Toss Bank's shift from credit-based (75%) to guaranteed loans (38%) represents a fundamental change in digital banking strategy. By combining inclusive finance expansion with asset quality management through guarantee structures, the bank addresses the inherent tension between serving underserved customers and maintaining financial health. This portfolio rebalancing, including housing finance and SME-focused products, positions Toss Bank for sustainable growth amid interest rate volatility and economic uncertainties.