South Korea’s four major commercial banks—KB Kookmin, Shinhan, Hana and Woori—conducted emergency credit reviews of companies facing a higher risk of delisting after the government tightened stock-market removal requirements. The reviews covered penny stocks trading below 1,000 won and companies failing to meet market-capitalization thresholds. Delisting alone does not trigger a loan recall, but banks will assess extensions more carefully based on the causes of share-price declines, including weak earnings. At the same time, the five major banks—also including NH Nonghyup—are restricting ordinary mortgages and personal credit while expanding group lending for housing projects. Household loan balances reached 651.15 trillion won as of the 20th, exceeding the banks’ original annual growth target by 1.84 trillion won, even after regulators decided to double the permitted annual growth rate to 3.0%. Mortgage approvals declined, while personal credit balances posted their first monthly decrease in four months. For The H Bangbae apartment complex in Seoul, the five banks more than tripled their combined balance-payment loan limits to 1.55 trillion won and competed by offering rates starting as low as 4.566%.