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| IBK기업은행 (사진=IBK기업은행) |
[Alpha Biz=(Chicago) Reporter Paul Lee] The balance of household loans at the top five banks has decreased by more than 4.6 trillion won in a month. Due to the increased interest burden, household loans have continued to decline since last year. Mortgage balances have backtracked for the second straight month. Amid the drop in deposit rates, the balance of regular deposits also fell by about 10 trillion won.
According to the banking sector on the 3rd, the balance of household loans by KB Kookmin, Shinhan, Hana, Woori and NH Nonghyup Bank stood at 680.7661 trillion won as of the end of last month. It fell 4.6845 trillion won from the previous month.
The balance of household loans at the five major banks has been on the decline for 15 consecutive months since January last year. The decrease in the balance of household loans means that the amount of repayment of existing loans is larger than that of new loans.
The balance of mortgage loans stood at 511.232 trillion won as of last month, down 1.5537 trillion won from the previous month. It declined for the second straight month following February. The decline was also greater than the previous month (572 billion won).
The balance of credit loans was 110.9402 trillion won, down 2.5463 trillion won from the previous month. The balance of credit loans has been on the decline for a year and four months since December 2021.
The balance of collective loans was 162.3863 trillion won, down 810.7 billion won from the previous month.
The balance of house loans reached 126.6138 trillion won, down 1.9014 trillion won from the previous month, continuing to decline for six consecutive months.
AlphaBIZ 폴리(hoondork1977@alphabiz.co.kr)
