□ Total household credits outstanding increased by 44.2 trillion won in the fourth quarter of 2020 to stand at 1,726.1 trillion won as of end-December, with household loans totaling 1,630.2 trillion won and merchandise credits 95.9 trillion won.

  o Household loans expanded by 44.5 trillion won during the quarter, and merchandise credits decreased by 0.2 trillion won.