페퍼저축은행, '몸집 줄이기' 3년 버텼다…적자늪 탈출은 언제

Pepper Savings Bank has successfully completed a multi-year defensive restructuring phase and is now pivoting to offensive growth, marking a critical turning point. With asset quality metrics significantly improved (NPL ratio declined from 14.8% to 9.9%) and losses substantially reduced, the bank is positioned for profitability recovery through selective lending expansion and operational efficiency. The shift from deterioration to stabilization demonstrates management progress, though sustained execution on profitability targets remains the key challenge.