Banks' bad-loan ratio unchanged in Q4 | Yonhap News Agency

## Summary
OK SEOUL, March 25 (Yonhap) -- South Korean banks' bad-loan ratio remained unchanged during the fourth quarter of last year from three months earlier, data showed Wednesday. Loans classified as substandard or below (SBL) held by local banks came to 16.6 trillion won (US$11.1 billion) as of end-December, up 0.2 trillion won from three months earlier, according to the data from the Financial Supervisory Service. Local banks wrote off 5.7 trillion won worth of bad loans in the October-December period, also up 0.1 trillion won from the previous quarter, according to the data. The ratio for household loans came in at 0.31 percent as of end-December, also up 0.01 percentage point from three months earlier, according to the financial watchdog.

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OK
SEOUL, March 25 (Yonhap) -- South Korean banks' bad-loan ratio remained unchanged during the fourth quarter of last year from three months earlier, data showed Wednesday.
Loans classified as substandard or below (SBL) held by local banks came to 16.6 trillion won (US$11.1 billion) as of end-December, up 0.2 trillion won from three months earlier, according to the data from the Financial Supervisory Service.
The proportion of SBLs to the total outstanding loans came to 0.57 percent at the end of December, unchanged from three months ago.
Some 5.9 trillion won in loans were newly classified as soured in the fourth quarter, up 0.4 trillion won from the previous quarter.
Local banks wrote off 5.7 trillion won worth of bad loans in the October-December period, also up 0.1 trillion won from the previous quarter, according to the data.
The ratio of business loans classified as SBLs stood at 0.70 percent as of end-December, down 0.01 percentage point from three months earlier.
The ratio for household loans came in at 0.31 percent as of end-December, also up 0.01 percentage point from three months earlier, according to the financial watchdog.
A passerby walks past a poster promoting house mortgage loans put up at a bank in central Seoul, in this June 15, 2025, file photo. (Yonhap)
sam@yna.co.kr
(END)
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## Expert Analysis

### Merits
N/A

### Areas for Consideration
- A passerby walks past a poster promoting house mortgage loans put up at a bank in central Seoul, in this June 15, 2025, file photo. (Yonhap) sam@yna.co.kr (END) Keywords #bad loan #tally Articles with issue keywords Most Liked Netflix, BTS to turn Seoul into world's 'biggest watch party' 'BTS: The Return' captures brotherhood under 'heavy crown': director Four decades of Damien Hirst on display at MMCA, from shark to cherry blossoms (3rd LD) About 40,000 fans gather for BTS comeback concert in downtown Seoul Korean Pavilion at Venice Biennale seeks comfort through art, with Han Kang's sculpture of blackened trees Most Saved Netflix, BTS to turn Seoul into world's 'biggest watch party' Four decades of Damien Hirst on display at MMCA, from shark to cherry blossoms 'BTS: The Return' captures brotherhood under 'heavy crown': director Korean Pavilion at Venice Biennale seeks comfort through art, with Han Kang's sculpture of blackened trees Downtown Seoul to enter security lockdown for massive crowd at BTS concert Most Viewed All Categories (4th LD) N.

### Implications
- Korea as 'most hostile' nation (LEAD) N.
- Korea 'most hostile' nation (2nd LD) Gov't to strictly enforce five-day vehicle rotation system for public sector (LEAD) Gov't to strictly enforce five-day vehicle rotation system for public sector (2nd LD) N.

### Expert Commentary
This article covers korea, loans, seoul topics. Areas of concern are also raised. Readability: Flesch-Kincaid grade 0.0. Word count: 484.