• Core business income has begun to show signs of improvement, as reflected in net interest margin (NIM) in 3Q26, which edged up slightly as funding costs gradually declined. However, KResearch expects the recovery momentum in NIM to remain limited in 2026, with interest rates expected to stay low for the remainder of the year.
• Loan growth continued in 3Q26, but the recovery remained uneven across segments. Overall loan growth continued to be driven by large corporate and government lending, while certain SME and retail segments remained weak.
• Asset quality remained manageable in 3Q26. However, financial institutions continued to exercise caution over future risks, as reflected in accelerated debt restructuring, proactive NPL management, and the ongoing maintenance of high coverage ratio.
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