[토스뱅크 성장공식]① 이자이익 늘고 충당금 부담 줄고…'헤비급' 궤적

Toss Bank's Q1 results demonstrate a transition from achieving profitability to building a sustainable 'heavyweight' scale by balancing asset growth with risk management. This shift is significant as it proves that Internet Banks can maintain earnings growth through volume and improved asset quality even when interest margins tighten, signaling a maturing business model in the fintech sector.