JT친애저축은행, 적자 털고 건전성 '반전'…연체율 3%대 낮췄다

A secondary bank's turnaround from consecutive losses to profitability through proactive asset restructuring and machine learning-based credit scoring demonstrates effective risk management amid market uncertainty. With a delinquency rate of 3.6% significantly outperforming the industry average of 6.0%, the bank has established a sustainable lending model centered on personal loans that balances growth with asset quality improvement.