Seoul targets sovereign AI and AI belt in Saemangeum for new strategic funding SEOUL, April 14 (AJP) -South Korea will channel around 10 trillion won ($7.4 billion) into a new slate of strategic industries from high-value OLED displays to sovereign artificial intelligence and AI infrastructure belt along the southern coast in a bid to widen its technological edge over fast-following rivals and anchor future growth engines. The second round of “mega projects” under the 150 trillion won National Growth Fund spans six areas — next-generation bio and vaccines, OLED displays, future mobility and defense, sovereign AI, renewable energy infrastructure and a large-scale industrial hub in Saemangeum. Financial Services Commission Chairman Lee Eog-weon announced the plan Tuesday after chairing the fund’s second strategy committee meeting, describing the selections as sectors “where Korea can further expand its super-gap over latecomers.” The most immediate deployment of capital is expected in bio and vaccines, targeting firms that have entered global Phase 3 clinical trials — the final and most capital-intensive stage before commercialization. The fund will provide low-interest loans for facility investment tied to new drug development, alongside direct investments through joint ventures. Initial approvals could come as early as May. In displays, the government is moving to reinforce Korea’s dominance in premium OLED, as Chinese competitors rapidly narrow the gap. Samsung Display and LG Display are expected to be among key beneficiaries, with policy financing aimed at supporting large-scale capital expenditures needed to push into higher value-added segments. Future mobility and defense projects will focus on unmanned systems — including drones, UAVs and autonomous helicopters — covering the full spectrum from airframes to electronic systems and propulsion. Officials emphasized the broad industrial spillovers, noting the sector’s deep linkages with materials, components, batteries, semiconductors and engines. Sovereign AI has emerged as another central pillar. The initiative aims to build a fully independent AI ecosystem — from foundation models to data centers — reducing reliance on foreign technologies. This marks a shift from the first round of projects, which focused more narrowly on AI semiconductors such as neural processing units. The fund will also invest in large-scale renewable energy projects, including solar and offshore wind farms in regions such as Haenam and Gochang. Beyond energy transition goals, the projects are designed to secure stable power supplies for energy-intensive AI data centers, increasingly seen as critical national infrastructure. Another flagship investment targets Hyundai Motor Group’s planned industrial complex in Saemangeum. The project envisions a cluster integrating robotics, AI and hydrogen energy, backed by roughly 9 trillion won in private investment. The fund will provide tailored support through a mix of direct investment, infrastructure financing and loans aligned with project milestones. The government expects to mobilize more than 50 trillion won over the next five years to support the broader advanced industry ecosystem, combining 35 trillion won in indirect investment through public-private funds and 15 trillion won in direct financing. The structure is designed to address persistent “investment blind spots” in areas where private capital alone has been insufficient, while also expanding participation to new fund managers and incorporating entrepreneurial track records — including failed ventures — into selection criteria. The first round of mega projects, announced in December, included offshore wind, next-generation batteries and AI semiconductor production bases. Of the 6.6 trillion won approved so far, funding has already begun flowing into projects such as the Shinan offshore wind farm, a Pyeongtaek AI chip cluster and Rebellions’ capital increase. The government plans to begin executing initial investments for the second-round projects as early as next month. 2026-04-14 16:23:24

KAIST and Microsoft Research develop automated system to fix time-related AI errors SEOUL, April 14 (AJP) - To reduce hallucinations, including time-based errors in large language models (LLMs), a joint team of researchers developed an automated diagnostic system that uses classic database theory to ensure AI provides up-to-date information, the Korea Advanced Institute of Science and Technology said Tuesday. The research addresses a common frustration for users who find that chatbots often provide outdated facts. For example, when asked about a recently appointed government official, an AI might confidently name someone who left the position a year ago. This occurs because the models struggle to track how information changes over time, a problem known as temporal hallucination. Korea Advanced Institute of Science and Technology (KAIST) Professor Hwang Eui-jong and his team worked with Microsoft Research (MSR) to apply temporal database design to AI evaluation. This theory, which has been refined over the last 40 years, allows the new system to automatically generate 13 different types of complex questions based on the chronological flow of data. Previously, humans had to manually write and update test questions to check if an AI was staying current. The new automated framework eliminates this labor-intensive process. When real-world information changes, the system simply updates its internal database to refresh the evaluation criteria and correct the AI's logic. According to the study, the system reduced the cost of building evaluation data by 51 percent. It also improved the detection of time-related errors by an average of 21.7 percent. Rather than just checking if the final answer is right, the system verifies whether the dates and timelines the AI uses to explain itself are actually accurate. The researchers expect the technology to be particularly useful in high-stakes fields such as law and medicine. In these sectors, even a minor misunderstanding of a specific timeframe can lead to serious errors in advice or documentation. "This research shows how classic database theories can solve modern reliability issues in artificial intelligence," Professor Hwang Eui-jong said. He added that turning professional data into evaluation resources will provide a practical foundation for verifying AI performance in specialized industries. The study, which featured PhD student Kim So-yeon as the lead author, will be presented at the International Conference on Learning Representations (ICLR) 2026. MSR researchers Jindong Wang and Xing Xie also participated as co-authors. (Reference Information) Journal/Source: International Conference on Learning Representations (ICLR) 2026 Title: Harnessing Temporal Databases for Systematic Evaluation of Factual Time-Sensitive Question-Answering in Large Language Models Link/DOI: https://arxiv.org/abs/2508.02045 2026-04-14 16:05:49

Civilians switch off in energy-saving drive amid prolonged Gulf crisis SEOUL, April 13 (AJP) - As the Gulf crisis drags on and energy costs bite deeper, a familiar Korean instinct is quietly resurfacing — collective action in everyday life. Saemaul Undong Central Council on Monday kicked off a nationwide energy-saving campaign at Gwanghwamun Square, drawing participants who gathered not for protest, but for small, practical change. The message was simple: switch off what you don’t need, unplug what you’re not using, and think twice before turning the key in your car. Participants highlighted everyday habits — turning off unnecessary lights, cutting standby power, opting for public transport and keeping indoor temperatures in check — small steps that, multiplied across millions, could ease the strain of soaring oil prices. The campaign, organizers said, is as much about mindset as it is about savings — an effort to revive a culture of shared responsibility at a time when households and local businesses are feeling the pinch. Nearly 2 million members from Saemaul chapters nationwide are expected to take part, with no fixed end date. The campaign will continue, organizers said, for as long as the energy crunch lasts. For now, the movement begins not with sweeping policy, but with a flick of a switch. 2026-04-14 15:56:53

Young Korean men squeezed out as women and AI reshape labor market SEOUL, April 14 (AJP) — Young South Korean men are being squeezed out of the labor market at a notable pace amid increased competition from women and artificial intelligence, a study by the Bank of Korea showed Tuesday. According to the central bank, the economic participation rate for men aged 25 to 34 fell from 89.9 percent in 2000 to 82.3 percent in 2025, in contrast to a steady average of around 89 percent from 1995 to 2024. The downward trend is even more pronounced across generations. While Baby Boomers recorded participation rates around 90 percent and Generation X around 88 percent, the 82.3 percent rate for Millennials comes as a significant drop. The BOK attributes this largely to “shifts in the competitive structure,” coupled with the increased entry of highly educated women into the labor market. “As women's economic participation expanded, competitive pressure intensified significantly, particularly among youth with university degrees or higher,” said Yoon Jin-young. “The number of female employees in professional and office roles is now reaching levels similar to those of men.” In fact, the probability of economic participation for highly educated men born between 1991 and 1995 decreased by 15.7 percentage points compared to previous generations, while it rose by 10.1 percentage points for women. Changes in the industrial structure have also worked against young men. As middle- to low-skilled jobs in manufacturing and construction declined, the labor supply probability for men with an associate degree or less fell by 2.6 percentage points compared to 2000. “The overall labor demand for men with an associate degree or less has declined as middle- to low-skilled jobs centered on manufacturing and construction have shrunk,” Yoon explained. The entry path for youth is narrowing further as employment among the elderly expands and AI continues to proliferate. Between 2004 and 2025, the employment rate for older workers rose by 12.3 percentage points, with most of this increase concentrated in higher-education jobs. Furthermore, 98.3 percent of youth jobs lost over the past four years were concentrated in industries with high exposure to AI, indicating that automation is replacing entry-level positions. During this process, the number of “idled” individuals and those in a state of job preparation has grown, leading to a broader withdrawal from economic activity. The proportion of “idled” youth, which was 3.3 percent in 2003, reached 10.7 percent in 2025 — meaning at least one in ten young men is not even seeking a job. Evaluating the trend, Yoon said, “The decline in the economic participation rate of young men and the expansion of participation among women and the elderly represent a diversification of labor supply following demographic changes.” The central bank emphasized the need to establish institutional conditions that allow youth to enter the labor market more easily, preventing a “zero-sum game” in which competition between genders and groups intensifies while the total number of jobs remains stagnant. Yoon added that structural labor market reforms — such as reducing excessive protection for regular workers and promoting the transition of non-regular workers to regular status — must be implemented in tandem. 2026-04-14 15:51:55

Centrum Cites Long-Term Research on Brain Health and Healthy Aging, Expands Korea Strategy “Multivitamins have been shown to have positive effects beyond addressing nutrient gaps, including supporting brain health and slowing aging,” Haleon’s multivitamin brand Centrum said as it shared research accumulated over the past 35 years and outlined plans to expand Korea-specific strategies. Park Min-seok, head of medical and academic affairs at Haleon Korea, said at the “Centrum Day” event held April 14 in Seoul’s Myeong-dong that multivitamin research is moving beyond deficiency prevention toward improving quality of life and extending healthy life expectancy. “Multivitamin research is evolving from simply correcting deficiencies to improving quality of life and extending healthy life expectancy,” Park said. “Based on our global research capabilities, we will continue to expand optimal nutrition solutions for Koreans.” Organizers said Centrum, described as one of the world’s most-studied multivitamin brands, has scientific evidence supported by large-scale human studies and long-term follow-up data. Centrum said its research dates to 1985, beginning with studies of micronutrient deficiencies in China’s Linxian region, and includes long-term tracking of cancer incidence among U.S. male physicians in collaboration with the U.S. National Institutes of Health. Park said the field is also expanding to broader social value, including improved energy levels, better quality of life and reduced social costs. He added that recent work is increasingly focused on “precision nutrition” and “healthy life expectancy,” incorporating indicators such as brain health, aging biomarkers and individual lifestyle factors. Centrum also highlighted recent international findings. In an observational study of 614 adults in India last year, participants reported about a 44% improvement in energy levels after taking multivitamins, and the frequency of sick days fell by about 50%. In a health-economics model study involving older adults in Taiwan, researchers suggested that if multivitamin use slows cognitive decline, dementia cases could fall over the next 10 years, with potential social cost savings of about 65 trillion won. A Singapore study released early this year analyzed blood plasma from 662 middle-aged women and found low folate levels were linked to higher perceived stress, while B vitamins and vitamin D levels were associated with metabolic regulation. In South Korea, the company said it will strengthen a tailored approach reflecting Koreans’ dietary patterns and nutritional status. Centrum said it has continued developing localized products through research aligned with Korean eating habits and dietary reference intakes, and that this research helped lead to products such as “Centrum One Day Pack.” A Centrum official said the company will continue expanding Korea-specific data and solutions based on its global research capabilities. 2026-04-14 15:48:00

Energy-poor ASEAN speaks out, demands safe Hormuz reopening SEOUL, April 14 (AJP) —The Association of Southeast Asian Nations (ASEAN), increasingly strained by energy supply disruptions stemming from the Gulf conflict, on Monday urged the United States and Iran to reach a permanent resolution and restore safe passage through the critical shipping lane of the Strait of Hormuz. ASEAN foreign ministers issued a joint statement following a virtual meeting, calling on Washington and Tehran to intensify diplomatic efforts toward a lasting end to hostilities and durable peace in the Middle East. They warned that the conflict is already disrupting both energy and food supply chains, underscoring the urgency of securing priority access to energy for member states amid the crisis. The ministers stressed the need for the full and effective implementation of the two-week ceasefire agreement to prevent further casualties, and called for the immediate restoration of safe, secure and uninterrupted transit for vessels and aircraft through the Strait of Hormuz. They also urged all parties to ensure the safety of ships and crews operating in the area. ASEAN reaffirmed its commitment to strengthening cooperation with South Korea, China and Japan to mitigate supply disruptions and curb price volatility. Philippine foreign minister Theresa Lazaro said the ministers also discussed joint measures to secure key agricultural inputs, including fertilizers, in a bid to reinforce regional food security. She added that the ASEAN Summit in May will proceed as scheduled, with a focus on food and energy security as well as the safety of citizens across member states. Manila chairs this year's summit. The region is considered particularly vulnerable to the conflict due to its heavy reliance on Middle Eastern oil and gas. According to the International Energy Agency, roughly 20 percent of global seaborne oil trade passes through the Strait of Hormuz, with nearly 80 percent of those flows bound for Asian markets, including Southeast Asia. Countries with limited reserves are already feeling the strain from what officials describe as the worst energy disruption in modern history. The Philippines has declared a national energy emergency, Indonesia has introduced flexible work arrangements, Vietnam has suspended crude exports, and Thailand is rationing diesel while reactivating coal-fired power plants. Tensions escalated further after Donald Trump announced that U.S. naval forces had begun blocking Iranian-linked shipping routes near the Strait of Hormuz starting at 10 a.m. Eastern Time on April 13. The move followed the collapse of ceasefire talks held in Islamabad from April 11 to 12. 2026-04-14 15:41:59

How Director Lee Sang-min and Actor Kim Hye-yoon Built the Fear in 'Salmokji' Every production holds many perspectives. The same place and time can feel different depending on where a director or actor stands. “Choi Song-hee’s B-Cut” looks beyond the on-screen “A-cut” to the vivid record of what happened off camera. By weaving interviews with directors and actors, it reconstructs the “B-cut” moments that were often more intense than the finished frame. <Editor’s note> ※This article contains spoilers for the film The horror film “Salmokji” begins when an unidentified figure appears in a reservoir road-view image. A team returns to the site to film again and encounters something in the black, deep water. Rather than leaning on a simple ghost story or shock tactics, the movie builds dread by stacking small, unexplained signs and the slow sense that people at the water’s edge are being consumed. On screen, the reservoir swallows the characters; off screen, the director and cast closely discussed how to shape that fear. Director Lee Sang-min and actor Kim Hye-yoon shared a love of the horror genre, but approached the set differently. Lee focused first on sound, devices and the texture of the location. Kim built the emotions of a character who tries to hold on but ultimately begins to crack. Their contrasting instincts, they said, helped make the film’s fear feel more layered. “Kim Hye-yoon is sincere and exemplary by nature,” Lee said. “Since this is my first film at this scale, she was a real support. She gave a lot of good ideas, and I was grateful that she helped organize difficult ensemble scenes. Her expressiveness is excellent, too. She seemed to know exactly what the right ‘degree’ was. I think we worked together really well.” “On set, Director Lee has a firm image of the script in his head, but when it comes to acting, he left room for us to freely offer ideas and try things,” Kim said. “He’s the type who likes building scenes through a lot of conversation.” Their shared genre taste also carried into discussions about equipment and staging. Lee said he regularly watches horror content on YouTube, and that interest fed into the film’s devices. “I really like horror YouTube,” Lee said. “Watching YouTubers use things like a ghost box, I thought, ‘Someday I have to use that in my movie.’ Usually you just hear static, but if, at a certain spot, words start pouring out, that would be terrifying. Those were elements that scared me even on YouTube, so I tried to blend them into the film.” “I like horror a lot, too, so I knew about that equipment,” Kim said. “The director also knew ghost boxes well, so we talked about the gear and discussed how to use it. Ha ha.” Kim plays Su-in, the character who anchors the story. Within the team heading to Salmokji, Su-in must show leadership while carrying an emotional fault line that could collapse first. Kim said she built Su-in around two main ideas: fear of water and guilt. “When the director and I developed Su-in, we used fear of water — trauma — and guilt as key words,” Kim said. “She’s under huge stress from that, so I thought it would be good if she looked exhausted in every way. A bit worn down, drained, and even when she’s with others, as if she’s lost in different thoughts.” Lee said he started by researching road-view filming and then assigning roles needed for the work — including a road-view controller, a command lead and a place-view role — before shaping the characters. Su-in became central, he said, because the water ghost must “pull” someone in, requiring a backstory that would drive that movement. While everyone goes to Salmokji for the road-view job, Lee said he wanted each person to have a different private goal, and needed a leader who could make rational judgments but still be fixated on the reservoir. That is why he gave Su-in “guilt” as a defining trait, he said. Notably, Su-in’s past is not fully explained in the film. Viewers infer it through bits of dialogue and mood. Lee said he chose that approach to keep attention on what happens in the location itself. “I wanted audiences to focus only on what happens in the film’s ‘space,’” Lee said. “I wanted to unpack the backstory, but no matter how I thought about it, it felt like the flow would drift elsewhere. So I think we only conveyed it through nuance. Su-in had an experience where she almost died in water, and because of that trauma she fears water. She’s assigned to Salmokji for the road-view shoot, and even though she doesn’t want to go, she forces herself. We tried to capture the fear of the space itself and the discomfort of water.” “When I first got the script, he told me about Su-in’s backstory,” Kim said. “It’s part of the story, but it doesn’t appear in the film, so I tried to compress those emotions and show them to the audience.” Kim said one scene she remembers most strongly is the stone-skipping sequence. As Kyung-jun and Sung-bin toss stones across the water to pass time, the film briefly seems to ease its pace — then quickly turns the familiar rhythm into something unsettling. “As a horror fan, my favorite scene in this movie is the stone-skipping scene,” Kim said. “It was also the moment that startled me most in the theater. During filming, what comes flying from the other side was CG, so I couldn’t see it with my eyes, but on the big screen it surprised me — and it was really scary.” Lee said sound was his top priority in shaping that moment. “When should it become quiet? The best moment in a horror movie is when everyone holds their breath,” he said. “I wanted to bring that silence to life. I wanted the sound of the stone flying in, the impact, and the splash to feel sharp. I talked a lot with the sound engineer about how strong the lapping should feel. When you don’t know it’s water, we cut the sound down, and once the camera reveals it’s underwater, we made it feel bigger.” In the end, the film’s fear was not built through a single method. Lee tightened tension through the arrangement of space, sound and devices, while Kim carried Su-in’s inner collapse under trauma and guilt. Their different approaches to the same reservoir, they said, locked together to create the film’s distinctive chill. 2026-04-14 15:33:25

KB Kookmin Bank Launches New KOSPI 200-Linked Deposit With Up to 13.8% Annual Return KB Kookmin Bank said April 14 it has launched the “KB Star Equity-Linked Deposit (ELD) 26-3,” a principal-protected product if held to maturity that can offer additional returns depending on the performance of the underlying asset. The one-year product is linked to the KOSPI 200 index and comes in three structures: an upside participation type (minimum-rate guaranteed), an upside knock-out type (minimum-rate guaranteed), and an upside knock-out type (high-yield seeking). For the upside participation type (minimum-rate guaranteed), the maturity rate is set based on the index’s gain, ranging from an annual 2.95% minimum to an annual 3.05% maximum (as of April 13, before taxes). For the upside knock-out type (minimum-rate guaranteed), the maturity rate ranges from an annual 2.95% minimum to an annual 3.50% maximum. The upside knock-out type (high-yield seeking) offers an annual 2.00% minimum to an annual 13.8% maximum. For the upside knock-out type (minimum-rate guaranteed), if the underlying index rises more than 25% during the observation period, the maturity rate is fixed at the minimum rate. For the upside knock-out type (high-yield seeking), the same applies if the index rises more than 20%. Subscriptions will be accepted through April 22. The sales cap totals 250 billion won: 100 billion won each for the upside participation type (minimum-rate guaranteed) and the upside knock-out type (minimum-rate guaranteed), and 50 billion won for the upside knock-out type (high-yield seeking). A KB Kookmin Bank official said the bank increased the subscription limit for product structures that drew strong demand in the previous sale, and asked for customers’ interest and participation.* This article has been translated by AI. 2026-04-14 15:27:18

Culture Minister Choi Hwi-young seeks film industry solutions on holdback, funding “I think we can work through this quickly.” Culture, Sports and Tourism Minister Choi Hwi-young said on the 14th that the government, the film industry and the Korean Film Council should form a public-private consultative body to address pending issues, stressing the need for swift action. Speaking at a meeting with filmmakers in Seoul’s Jung District on supplementary budget planning for the film sector, Choi said there were areas that also required talks with theaters and that he hoped discussions would move forward. The meeting was held to hear industry views on issues including scrapping efforts to legislate a holdback, introducing limits on screen concentration, expanding minimum screening days and increasing policy funds. Attendees included Kim Byeong-in, head of the Korea Scenario Writers Association; Kim Seung-beom, CEO of Niners Entertainment; Baek Jae-ho, head of the Korean Independent Film Association; and director Yang Woo-seok. Earlier, a coalition of 13 major film groups held a news conference saying Korea’s film industry faced a structural crisis and calling for a more active government role, including institutional changes. The groups voiced clear opposition to legislating a “holdback” that would allow films to be released on follow-on platforms such as OTT services only six months after their theatrical run ends. Saying the holdback would amount to a near blackout, they called instead for a system to limit excessive allocation of screens to specific films. Choi noted differing views within the industry and said more discussion was needed. “On holdbacks, there are a variety of opinions even within the film industry,” he said, adding that it did not appear to be an issue to be discussed separately by each side. He said proposals under discussion in the National Assembly were not finalized. “On the big principles, the direction and perspective of the film industry and the government are not different,” Choi said. “What matters is how we turn specific issues into workable measures.” The ministry said it secured a major increase in funding for the film industry through the first supplementary budget for 2026. The package includes 26 billion won for mid-budget film production, 4.5 billion won for independent and art film production, 8 billion won for advanced production support for Korean films, and 27.1 billion won to promote moviegoing, for a total of 65.6 billion won. Choi said he pushed the plan with a sense of crisis that “if film collapses, K-culture collapses,” and with the aim of minimizing the scale of damage from the war in the Middle East. He said the government budget allocated to the film sector for 2026 was 127.9 billion won, and the supplementary budget for the sector was 65.6 billion won. He said support was included for two mid-budget films with production costs of 10 billion to 15 billion won, and that 18 additional films in the 2 billion to 10 billion won range would be designated. Considering the original plan to support 20 mid-budget films, he said, the total support would cover 40 films. 2026-04-14 15:22:03

Banks Brace for Fierce Bidding for Seoul, Incheon and Other Local Government Depository Deals Local governments’ depository contracts are emerging as a major battleground for South Korea’s banks, with competition expected to intensify as several large jurisdictions near the end of their current agreements. According to the financial industry on April 14, five governments — Seoul, Incheon, Sejong City, South Jeolla Province and North Gyeongsang Province — will see their depository agreements with banks expire at the end of December. Shinhan Bank currently handles Seoul’s first and second depositories. Incheon’s first and second depositories are managed by Shinhan Bank and NH NongHyup Bank, respectively. Sejong City uses NongHyup and Hana Bank; South Jeolla uses NongHyup Bank and Gwangju Bank; and North Gyeongsang uses NongHyup Bank and iM Bank. Seoul is widely viewed as the biggest prize, given its budget size and the prestige of being the city’s main banking partner. Seoul’s total budget this year (general account plus other special accounts) is 51.4778 trillion won, the largest among local governments nationwide. Other banks are signaling strong interest in unseating Shinhan. All five major commercial banks, including Shinhan, attended a proposal briefing held April 9, according to industry officials. Seoul plans to accept proposals through May 6 and then hold presentations by each bank. A revised scoring system could further sharpen the contest. The weighting for interest rates on demand deposits has been increased to 8 points from 6, raising expectations of more aggressive rate offers. Incheon, with a depository of about 15 trillion won, is also expected to be closely contested. The city plans to begin preparing its bid process in June and aims to sign an agreement as early as July. While Shinhan and NongHyup currently serve as depository banks, Hana Bank — which is set to relocate its headquarters to Incheon’s Cheongna International City in September — is emerging as a leading challenger. Analysts say interest rates could be decisive as Incheon pushes an ordinance change that would require rates to be disclosed within 30 days after a depository agreement takes effect. Outside the capital region, competition is also expected for Sejong, South Jeolla and North Gyeongsang. Their budgets this year total more than 28 trillion won: North Gyeongsang at 14.0363 trillion won, South Jeolla at 12.7023 trillion won and Sejong at 2.0829 trillion won. Banks pursue these contracts largely because managing public funds can secure large volumes of low-cost deposits. The average interest rate paid on local government depository funds nationwide last year was 2.53%, according to the Interior and Safety Ministry’s Local Finance Integrated Disclosure System released in January. The contracts are also seen as valuable for reputation. “A city or provincial depository carries symbolic value, but it also delivers substantial practical benefits in areas such as corporate and investment banking,” a financial industry official said. “With some evaluation criteria adjusted and disclosure of contracted rates becoming mandatory, strategic competition among banks is likely to grow even more intense.” 2026-04-14 15:21:00