South Korean banks operated 24,711 ATMs at the end of June, down 4,610, or 15.7%, from the end of 2022 and 636, or 2.5%, from the end of last year. Ulsan recorded the steepest regional decline at 21.5%, followed by Gyeongsang Province and Jeju at 20.8% each. Citibank Korea’s network contracted 46.0%, while NongHyup Bank and Shinhan Bank posted the largest reductions among the five biggest commercial lenders. Bank branches fell 4.9% to 5,381 as of the end of June 2026. The Financial Services Commission is piloting post-office banking services in underserved provincial areas and expanding shared ATMs, while industry officials are considering convenience-store machines as another access channel.