Risk and sentiment
Korea Bank Deposits YoY
Year-over-year growth in Korean deposit-bank receipts.
At a glance
Korea Bank Deposits YoY: latest value and prior change
As of 2026-05-31, Korea Bank Deposits YoY is 7.98 %. It is 1.31 pp higher than 6.67 % on 2026-04-30.
Across 393 available observations from 1993-09-30 to 2026-05-31, the latest value is at the tie-adjusted 46th percentile.
- Observed on
- Default comparison window
- 1993-09-30–2026-05-31
- Observations · observed cadence
- 393 · Monthly
- Data source
- Bank of Korea ECOS
A high or low percentile does not by itself make the indicator positive, negative, or a buy or sell signal.
Time-series chart
Korea Bank Deposits YoY
1993-09-30–2026-05-31
Long-history series are stored as real provider observations. Index, FX, VIX, and ratio charts use historical backfill where providers expose it; Korean investor flow and margin-credit feeds expand as stable historical endpoints become available.
Interpretation guide
Finding where money hides with bank deposit growth
Korea Bank Deposits YoY measures year-over-year growth in total deposits at Korean deposit banks, from the Bank of Korea's monthly ECOS statistics. Because it captures how much spare cash households and firms are routing into bank accounts, it is a primary gauge of the money-move between risk assets and safe deposits in Korea.
What a deposit surge signals
Rapid deposit growth usually appears when deposit rates have become attractive or investors are stepping away from markets. Time-deposit-led growth in particular means money is being locked behind maturities, a short-term headwind for equity flows.
- Sharp deposit acceleration coinciding with falling equity turnover marks a reverse money-move phase.
- When deposit growth starts decelerating, prepare to track where maturing funds are heading next.
- Growth led by demand and instant-access accounts reads as sideline-cash accumulation rather than lockup.
The deposit-loan gap
Deposit growth is the funding side of bank balance sheets, loan growth the deployment side. The direction of the gap between the two shows whether money is pooling inside the banking system or flowing out as credit.
- Deposits growing faster than Korea Bank Loans YoY indicates liquidity pooling inside banks.
- A prolonged phase of loans outpacing deposits flags funding competition and upward pressure on deposit rates.
- Compare against Korea M2 YoY to distinguish genuine money growth from mere relocation between products.
Interpretation cautions
Reading deposit growth as a sign of economic health is a mistake; the money may have gathered out of fear or been pulled in by rate competition. Equally, slowing deposits do not automatically mean equity inflows.
- During deposit surges, check deposit-rate trends to separate yield-seeking from risk aversion.
- Account for maturity clustering, since heavy time-deposit rollovers can make deceleration look artificial.
- Cross-check the destination of outflows against Korea Margin Credit Balance and equity turnover.