□ Total household credits outstanding increased by 8.0 trillion won in the fourth quarter of 2023 to stand at 1,886.4 trillion won as of end-December, with household loans totaling 1,768.3 trillion won and merchandise credits 118.1 trillion won.

   o Household loans increased by 6.5 trillion won during the quarter, and merchandise credits increased by 1.5 trillion won.