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[Alpha Biz=(Chicago) Reporter Kim Jisun] Kakao Bank, which has grown into a household loan, showed sluggish private business loans. Kakao Bank's private business loans accounted for 2% of Kakao Bank's total loans, the lowest in the banking sector.
According to Nice Credit Rating on the 23rd, Kakao Bank's balance of private business loans in the third quarter of last year reached 783.3 billion won, failing to exceed 1 trillion won. Private business loans accounted for 2.1% of Kakao Bank's total loans, the lowest figure in the entire banking sector. In the case of Toss Bank, the balance of private business loans stood at KRW 1.7915 trillion, accounting for 16.0% of Toss Bank's total loans. In the case of the four major commercial banks (KB Kookmin, Shinhan, Hana, and Woori), the average portion of individual business loans among the total loans of each bank was 19.8%.
Kakao Bank launched a private business loan in November 2022.
In order to have the largest number of operators among banks, the loan balance must grow, but Kakao Bank's loan balance in the third quarter of last year is nearly 84 times the average balance of the four major banks' private business loans (KRW 66.5536 trillion). During the same period, the number of loans was only 40,000, more than double the average number of loans made by the four major banks (598,000) and that of Toss Bank (90,000).
AlphaBIZ 김지선(stockmk2020@alphabiz.co.kr)
