<Anchor>



However, while the base interest rate continues to rise, commercial banks are lowering interest rates on loans.

A few days ago, after the difference between the deposit rate and the loan rate for each bank was disclosed, criticism that only banks made money through interest trading was pouring in.



Reporter Jeon Yeon-nam covered it.



<Reporter>



Shinhan Bank was the first to offer a loan interest cut.



Mortgage loans and jeonse loans were cut by up to 0.2 percentage points, and credit loans by up to 0.5 percentage points.



Last Monday, the difference between deposits and loans at banks, and for short, the difference in interest rates between deposits and loans was disclosed.



As of last month, Shinhan Bank moved in two days after it was revealed that the difference in interest rates between deposits and loans was the largest among the five major banks.



It is interpreted that the criticism that he took the lead in the interest business while receiving a lot of interest on loans and a little on deposits was not able to withstand it.



Other banks followed soon after.



KB Kookmin Bank lowered the interest on fixed-rate mortgage loans by 0.2 percentage points, while the Nonghyup lowered the interest on special loans for the working class and youth cheonsei loans by up to 0.5 percentage points.



Woori Bank is also expected to cut interest rates on home mortgage loans by next week.



At the same time, banks announced that they would raise interest rates on various savings accounts and deposits.



As the loan-to-deposit interest rate difference will be revealed every month from now on, it seems that they have entered into a skirmish to avoid being ranked first in the interest market when the announcement is made next month.



[Seo Ji-yong/Professor of Business Administration at Sangmyung University: Now that consumers can make detailed comparisons of the difference in interest rates between banks, banks are likely to be conscious.



] He also announced that he would consider expanding the spread of the loan-to-deposit interest rate difference.



(Video editing: Jo Moo-hwan)