subdued while household loan growth increased modestly. Source: BOK; Haver; AMRO staff calculations ...and capital adequacy ratios remained well above Despite the increase over the past few years, the statutory minimums across all types of institutions. delinquency ratios remain relatively low... ...particularly in several key districts. Unlike elsewhere in the country, house prices in Seoul have Source: Kookmin Bank; Haver; AMRO staff calculations ce: Kookmin Bank; Haver; AMRO staff calculations