OK저축은행, 부실채권 그룹사에 매각…건전성에 총력쏟는 까닭

OK Savings Bank strategically manages non-performing loans by selling them to subsidiary APRO F&I, accepting short-term disposal losses to improve long-term asset quality and reduce future loss provisions. This proactive risk management approach achieved measurable results—reducing NPL ratio to 8.44% and delinquency rate to 5.84%, both better than industry averages. The strategy enabled the bank to achieve record net profit of 165.9 billion won in 2025 while maintaining stable financial health metrics.