The company said that as of July 31, 2026, its 30+ delinquency rate was 4.2%, the net charge-off rate for the month was 4.7%, and the adjusted net charge-off rate was 4.9%.

1. 01

   The company said that as of July 31, 2026, its 30+ delinquency rate was 4.2%, the net charge-off rate for the month was 4.7%, and the adjusted net charge-off rate was 4.9%.

2. 02

   The company said that as of July 31, 2026, period-end loan receivables were $102.6 billion, and average loan receivables, including held for sale, were $101.9 billion for the month.

3. 03

   In its monthly table, the company said the net charge-off rate was 5.3% in June 2026, 4.7% in July, 5.1% in July 2025, 4.7% in January 2026, and 5.8% in March.

4. 04

   The company said the number of charge-off cycle dates varies from month to month, so charged-off amounts can differ between months without a corresponding change in portfolio performance. For consumer credit card loan receivables in July 2026, the number of charge-off cycle dates was 28. The company explained that the recovery adjustment allocates recoveries evenly across the 3 calendar months of the quarter.

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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