The Bank of Korea's semi-annual financial stability report, released June 24, 2026, states that the financial system remains generally stable while recording a 3.5 percent year-on-year increase in household loans to 1,993.1 trillion won and heightened volatility in the first half of the year. Board member Hwang Kun-il highlighted risks from rising Seoul house prices, leveraged retail investments tied to an AI-driven KOSPI rally above 9,000 points, and potential inequality effects.