The company said period-end loan receivables were $99.8 billion as of June 30, 2025. Loan receivables held for sale were $0.2 billion.

1. 01

   The company said period-end loan receivables were $99.8 billion as of June 30, 2025. Loan receivables held for sale were $0.2 billion.

2. 02

   The company said its 30+ delinquency rate was 4.2% for June 30, 2025, 4.5% for March 31, 2025 and 4.5% for June 30, 2024. The rate is the share of period-end loan receivables that are delinquent for more than 30 days.

3. 03

   The company said its net charge-off rate was 5.8% as of June 30, 2025, its recovery adjustment was (0.1)%, and its adjusted net charge-off rate was 5.7%. For May 31, 2025, the same measures were 5.1%, 0.1% and 5.2%, respectively.

4. 04

   The company said it plans to continue furnishing the Monthly Charge-Off and Delinquency Statistics on a monthly basis, and that statistics for the last month of each calendar quarter will be furnished at the same time as its announcement of quarterly financial results. The company also said charge-off amounts can vary between monthly periods with no corresponding change in portfolio performance, because the number of charge-off cycle dates in each month varies based on factors such as the calendar and the timing of billing cycles.

Analysis scope · Filing body and confirmed press-release exhibitWe analyzed the filing body and confirmed exhibits. This is not a review of other exhibits, investor presentations or the full earnings call.

AI summarized the filing and translated the summary into English; it may differ from the original. For reference only, not investment advice. AI translated the published Korean report into English. Figures are copied as filed, not recalculated.

Original filing

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