South Korean banks' BIS capital ratio declined slightly to 15.83% at end-2024, with CET1 ratio at 13.51%, though FSS notes all banks maintain healthy levels well above regulatory requirements despite geopolitical risks and high oil prices.
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South Korean Banks' BIS Ratio Edges Down to 15.83% at End-2024, CET1 Ratio at 13.51%
South Korean banks' BIS capital ratio declined slightly to 15.83% at end-2024, with CET1 ratio at 13.51%, though FSS notes all banks maintain healthy levels well above regulatory requirements despite geopolitical risks and high oil prices.
Banks in South Korea purchased 20 trillion won ($15 billion) in bonds in January, doubling last year's figure and helping to offset bearish market pressures, but concerns are mounting that ongoing deposit outflows into equities could limit banks' future bond-buying capacity.
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[Bond Supply-Demand Check] Banks Buy 20 Trillion Won in Bonds—Concerns Rise Over Diminished Buying Power
Banks in South Korea purchased 20 trillion won ($15 billion) in bonds in January, doubling last year's figure and helping to offset bearish market pressures, but concerns are mounting that ongoing deposit outflows into equities could limit banks' future bond-buying capacity.
Fitch Ratings says raising South Korea’s deposit insurance limit could accelerate funds moving to savings banks, intensifying competition for deposits and raising funding pressure on banks, while upgrades to bank credit ratings are possible in the medium term if the operating environment improves.
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Fitch Says Higher Deposit Insurance Limit Could Accelerate Money Moves—Bank Upgrades Possible in Medium Term
Fitch Ratings says raising South Korea’s deposit insurance limit could accelerate funds moving to savings banks, intensifying competition for deposits and raising funding pressure on banks, while upgrades to bank credit ratings are possible in the medium term if the operating environment improves.
South Korean banks’ won-denominated loan delinquency rate rose to 0.58% in October, driven by a sharp drop in resolved bad loans and increased new delinquencies, with the Financial Supervisory Service warning of further risks in SME and regional real estate sectors.
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South Korean Banks’ Won-Denominated Loan Delinquency Rate Rises to 0.58% in October
South Korean banks’ won-denominated loan delinquency rate rose to 0.58% in October, driven by a sharp drop in resolved bad loans and increased new delinquencies, with the Financial Supervisory Service warning of further risks in SME and regional real estate sectors.
South Korean Banks’ Won-Denominated Loan Delinquency Rate Falls to 0.51% at End-September, Down 0.10 Percentage Points from Previous Month
South Korea’s bank won-denominated loan delinquency rate fell to 0.51% at end-September, as new delinquencies declined and banks resolved more overdue assets, according to FSS data.
Moody's has reaffirmed its negative outlook for South Korean banks in 2025, citing persistent external uncertainties, US tariff risks, and concerns over asset quality and capital adequacy, despite expectations for economic recovery and lower interest rates.
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Moody's Maintains 'Negative' Outlook for South Korean Banks—Cites Policy Uncertainty and US Tariff Impact
Moody's has reaffirmed its negative outlook for South Korean banks in 2025, citing persistent external uncertainties, US tariff risks, and concerns over asset quality and capital adequacy, despite expectations for economic recovery and lower interest rates.
South Korean Banks’ Won-Denominated Loan Delinquency Rate Rises to 0.61% at End-August
South Korean banks’ won-denominated loan delinquency rate rose to 0.61% at end-August, as new delinquencies outpaced resolutions, with increases seen across corporate and household loans, according to FSS data.
South Korean Banks’ BIS Capital Ratio Rises to 15.95% in Q2, Up 0.29 Percentage Points from Previous Quarter
South Korea’s banks saw their BIS capital adequacy ratio rise to 15.95% in Q2 2025, driven by strong earnings and reduced risk-weighted assets, according to the FSS.
South Korean Banks’ Won-Denominated Loan Delinquency Rate Falls to 0.52% at End-June
South Korean banks’ won-denominated loan delinquency rate fell to 0.52% at end-June, driven by a decline in new delinquencies and a surge in resolved bad loans, according to the Financial Supervisory Service.
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