The ratio of bank loan overdue at least three months came to 0.47 percent of the total at the end of December, up 0.03 percentage points from three months earlier, according to the Financial Supervisory Service.
It was 0.07 percentage points higher than a year earlier on the back of the expanded delinquent loans, affected by higher interest rates and the faltering housing market.
New delinquent loan amounted to 5.7 trillion won (4.3 billion U.S. dollars) in the October-December quarter, higher than the settlement of non-performing loans worth 4.7 trillion won (3.5 billion dollars).
The country's central bank had left its benchmark interest rate unchanged at 3.50 percent since January last year.
The delinquency ratio for bank corporate loan rose 0.06 percentage points from three months earlier to 0.59 percent at the end of December, while the ratio for household loan was unchanged at 0.25 percent.
The ratio of loan loss reserves to bank bad loan stood at 212.2 percent at the end of December, down 3.1 percentage points from three months earlier.
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