{"id":222,"date":"2024-01-21T22:11:02","date_gmt":"2024-01-21T13:11:02","guid":{"rendered":"http:\/\/testpie.com\/wp\/?p=222"},"modified":"2024-01-21T22:11:02","modified_gmt":"2024-01-21T13:11:02","slug":"%ec%8b%a0%ed%95%9c%ec%9d%80%ed%96%89%ec%9a%b0%eb%a6%ac%ec%9d%80%ed%96%89%ec%8b%a0%ed%95%9c%ec%9d%80%ed%96%89%ec%9e%ac%eb%ac%b4%eb%b6%84%ec%84%9d%ec%9a%b0%eb%a6%ac%ec%9d%80%ed%96%89%ec%9e%ac","status":"publish","type":"post","link":"http:\/\/testpie.com\/wp\/?p=222","title":{"rendered":"\uc2e0\ud55c\uc740\ud589,\uc6b0\ub9ac\uc740\ud589,\uc2e0\ud55c\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc6b0\ub9ac\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc7ac\ubb34\ubd84\uc11d\uc0ac\ub840,\uc7ac\ubb34\ube44\uc728\ubd84\uc11d\uc0ac\ub840\uacbd\uc601\uacbd\uc81c\ub808\ud3ec\ud2b8"},"content":{"rendered":"

\n \uc2e0\ud55c\uc740\ud589,\uc6b0\ub9ac\uc740\ud589,\uc2e0\ud55c\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc6b0\ub9ac\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc7ac\ubb34\ubd84\uc11d\uc0ac\ub840,\uc7ac\ubb34\ube44\uc728\ubd84\uc11d\uc0ac\ub840\uacbd\uc601\uacbd\uc81c\ub808\ud3ec\ud2b8
\n<\/h1>\n
\n <\/a> <\/a> <\/a> <\/a> <\/a> <\/a> <\/a> <\/a> <\/a> <\/a>\n<\/div>\n
\n \ub808\ud3ec\ud2b8 \ub2e4\uc6b4\ub85c\ub4dc: \uc2e0\ud55c\uc740\ud589,\uc6b0\ub9ac\uc740\ud589,\uc2e0\ud55c\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc6b0\ub9ac\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc7ac\ubb34\ubd84\uc11d\uc0ac\ub840,\uc7ac\ubb34\ube44\uc728\ubd84\uc11d\uc0ac\ub840.ppt<\/span>   [size : 795 Kbyte]<\/a>\n<\/div>\n

Financial Management
\nThe Analysis of Shinhan Bank&Woori Bank<\/p>\n

\uc5c5\uacc4\uc120\uc815- Shinhan bank & Woori bank
\nA commercial bank is a type of financial institution and intermediary.
\nIt is a bank that provides transactional, savings, and money market accounts
\nand that accepts time deposits.<\/p>\n

Banks take deposits from savers, paying interest on some of these accounts.
\nThey pass these funds on to borrowers, receiving interest on the loans.
\nTheir profits are derived from the spread between the rate they pay for funds
\nand the rate they receive from borrowers.
\nWe choose two big commercial banks and the average of banks in Korea to analyze financial ratios and recognize financial health.
\nFinancial Management
\nvs
\nShinhan bank
\nThe Shinhan Bank has substantial importance and influence in the Korean financial system supported by the solid third largest market position in terms of assets.<\/p>\n

The Bank is planning to pursue an appropriate level of growth through conservative risk
\nmanageme\u2026(\uc0dd\ub7b5) nt against the rise in credit risk caused by the continued corporate restructuring and recession in the real estate market and construction industry.
\nFinancial Management
\nWoori bank
\nThe Woori Bank has consistently held the second largest amount of assets among domestic
\nbanks thanks to the substantial expansion of assets since 2006.<\/p>\n

In 2xxx, net interest margin began to rise although provisioning burden increased due to
\nCorporate restructuring and strengthened asset quality standards for property-related PF loans.
\nFinancial Management
\nFinancial Management
\n\uc790\ubcf8\uc801\uc815\uc131-BIS Ratio (\uc790\uae30\uc790\ubcf8\ube44\uc728)
\nBISratio(BIS) is equity capitalratio and BIS presented. It is an indicator to check the soundness of banks.If BIS ratio looks larger,it means that bank management is positive. BIS recommend the ratio of Bank would be good when it is over 8%.<\/p>\n

Financial Management
\n\uc790\ubcf8\uc801\uc815\uc131-Basic Capital Ratio
\nEquity capital is the sum of \u2018basic capital(Tier1)\u2019 & \u2018supplement capital(Tier2)\u2019.
\nThe basicindicators. Usuallymore than 10%equityratio, primarycapitalratiois
\nless than 8%is assessedashealthy banks.<\/p>\n

Shin Han Bank have had the capital by using capital increase and publishing subordinated bonds and hybrid bonds.<\/p>\n

According to this, at the time of 2xxx, BIS & Basic capital ratio has remained high levels.<\/p>\n

Even though the lessening trends of asset quality would be burden, their continuous abilities and buffering capacity is still good.<\/p>\n

Even though continuous dividends payments, there is increase of capital.<\/p>\n

There is also the efforts of capital increase, new capital insurance of capital securities, subordinated bonds.<\/p>\n

Thus, BIS ratio(14.7%), Basic capital ratio has remained high levels at the end of 2xxx.
\nFinancial Management
\nAnalysis of Shinhan & Woori Bank
\nDue to the increase of low level bonds, profitability and asset quality is lossing after
\nglobal economy crisis.<\/p>\n

Exit strategy(the concern of global economy condition, the rising of rate, etc.) and the presence of credit risks(SME sector, real estate PF loans,etc.) would be bad effects for profitability and asset equity.<\/p>\n

Therefore, Ongoing monitoring will be needed.
\nFinancial Management
\nRecommendation
\nFinancial Management
\n\uc5ec\uc2e0\uac74\uc804\uc131-1
\nWhat Does Nonperforming Loan – NPL MeanLoans that are in default or close to being in default.
\nMany loans become non-performing after being in default forthree months, but this can depend on the contract terms.
\nThe NPL ratio of Shinhan bank is lower than Woori bank.
\nThe financial health of Shinhan bank is greater than Woori bank.<\/p>\n

The NPL ratio of Shinhan bank has increased a few from 4Q in 2008 to 4Q in 2xxx, because of
\nPF loan 290 billion won, Daehanship(precautionary \u2192 substandard) 140 billion won, small&medium
\n-sized shipping businesses 80 billion won.<\/p>\n

However, the NPL ratio of bank average also has increased like the NPL ratio of Shinhan bank.<\/p>\n

The NPL ratio of Shinhan(1.31) was lower than the NPL ratio of bank average(1.89) at 4Q in 2xxx.
\nIt was good, compared to the NPL ratio of bank average.<\/p>\n

Financial Management
\n\uc5ec\uc2e0\uac74\uc804\uc131-1(\uacc4\uc18d)
\nThe NPL ratio of Woori bank has greatly increased from 4Q in 2008 to 4Q in 2xxx,
\nbecause of PF loan (nomal\u2192 non-performing) 1.1 trillion won.<\/p>\n

The NPL ratio of Woori(3.34) was greater than the NPL ratio of bank average(1.89) at 4Q in 2xxx.
\nIt was bad, compared to the NPL ratio of bank average.
\n\uc5ec\uc2e0\uac74\uc804\uc131-2
\nWhat Does NPL Coverage Ratio MeanFinancial ratio measuring a bank`s ability to absorb potential losses from nonperforming loans.
\nFinancial Management
\n\uc5ec\uc2e0\uac74\uc804\uc131-2(\uacc4\uc18d)
\nThe NPL coverage ratio of Shinhan bank is greater than Woori bank.<\/p>\n

The NPL coverage ratio of Shinhan bank has decreased 60% from 4Q in 2008 to 4Q in 2xxx.
\nHowever, the NPL ratio of bank average also has decreased 90%.<\/p>\n

The NPL coverage ratio of Shinhan(133.1) was greater than the NPL coverage ratio of bank average(106.36) at 4Q in 2xxx.<\/p>\n

It was good, compared to the NPL coverage ratio of bank average.
\nThe NPL coverage ratio of Woori bank has greatly decreased 140% from 4Q in 2007 to 4Q in 2xxx.<\/p>\n

The NPL coverage ratio of Woori(70.07) was lower than the NPL coverage ratio of bank average(106.36)
\nat 4Q in 2xxx.<\/p>\n

It was bad, compared to the NPL coverage ratio of bank average.
\nFor Shinhan bank and Woori bank<\/p>\n

Focus on managing substandard and below loans.
\nSell substandard and below loans to other investment agency.
\nDispose substandard and below PF loans by PF bad bank.<\/p>\n

Especially, Woori bank needs to save finance more for The NPL coverage ratio.
\nrecommendation
\nFinancial Management
\n\uc218\uc775\uc131-ROA(Return on Asset)
\nBy calculating ROA , we can examine the level of Net Income relative to the Total Assets.<\/p>\n

Return On Assets is an indicator of how profitable a company is before level average & is compared
\nWith companies in the same industry. Return on assets is a common figure used for comparing
\nperformance of financial institutions (such as banks), because the majority of their assets will have
\na carrying value that is close to their actual market value.<\/p>\n

Financial Management
\n\uc218\uc775\uc131-ROA(\uacc4\uc18d)<\/p>\n

In 2006, Woori bank had higher ROA rather than the bank average, but Shinhan bank had lower ROA
\ncompared to the bank average.
\nBy 2007, Shinhan scored higher ROA and Woori bank scored lower ROA compared to the bank average<\/p>\n

In 2008, because of the sub-prime mortgage loan, most of the banks` ROA decreased.
\nEspecially, Woori bank`s ROA was very low.<\/p>\n

In 2009, both banks showed close ROA to the bank average.<\/p>\n

In 2xxx, Shinhan scored very high ROA, showing big gap.<\/p>\n

Financial Management
\nNIM is a measure of the difference between the interest income generated by banks or other financial
\ninstitutions and the amount of interest paid out to their lenders(for example, deposits), relative to the
\namount of their (interest-earning) assets.<\/p>\n

NIM= (Interest income-Interest expense)\/Total Equity<\/p>\n

Financial Supervisory Service once used loan-deposit margin to rate profitability, but since 2000 FSS is
\nusing NIM to rate profitability.<\/p>\n

Right now, Woori and Shinhan scores lower NIM than the bank average.
\nIt means that both bank`s profitability of interest is lower than the bank average.
\nFinancial Management
\n\uc218\uc775\uc131-NIM (Net Interest Margin\uba85\ubaa9\uc21c\uc774\uc790\ub9c8\uc9c4)
\nIn case of ROA, Shinhan shows stable number. So Woori needs to increase ROA.
\nIn order to increase ROA, the bank needs to increase efficiency of invested equity.
\nIn other words, Woori needs to increase sales and return on sales by controlling the cost.
\nWe can see specific structure of ROA if you look at the bottom picture.<\/p>\n

In case of NIM, both banks show lower number when compared to the bank average.
\nSo both bank needs to increase the profitability of interest part.<\/p>\n

Financial Management
\nRecommendation
\n1. What is the Liquidity ratios
\n\u25b6The ratio of a company`s liquid assets to its current liabilities, used as a measure of its solvency<\/p>\n

2. Usually Liquidity ratios is interpreted that ratios is stable over100. Both Shinhan bank\u2019s ratio&Woori bank\u2019s
\nratio are maintained over 100. Thus, Those bank\u2019s Liquidity ratios are stable.<\/p>\n

3. Because of the Government\u2019s prompt action for example, a fall in the rate interest and expansion of
\nfiscal payment- nation\u2019s major bank\u2019s Liquidity ratios(won) is maintained in stable condition.
\nExcept for, 2008.12 All of the world\u2019s economy are heightend by Sub prime mortage.<\/p>\n

Financial Management
\n\uc720\ub3d9\uc131(Liquidity Ratio)
\n\uc6d0\ud654\uc720\ub3d9\uc131 \ube44\uc728
\n1. At this point time(2008 Sub prime mortage crisis), Woori bank gives up call option.
\nSo, negative cognition are expanded, foreigner\u2019s the share for stick scale is increased.
\nConsequentially, rate of exchange has gone up a lot(about 1,400won).
\nKorea\u2019s commercial bank\u2019s general shortage of foreign currency liquidity problem is growing.<\/p>\n

2. Like liquidity ration(won), the Government\u2019s prompt action and all of the world\u2019s cooperation
\nare reduce the economy damage.<\/p>\n

3. Especially international money market\u2019s risk aversion tendency appeasement and continuous
\nexpansion of the nation\u2019s favorable trade balance are influence a polished supply and demand($).<\/p>\n

Financial Management
\n\uc720\ub3d9\uc131(Liquidity Ratio)-2
\n\uc678\ud654\uc720\ub3d9\uc131 \ube44\uc728
\nRecommendation
\nLiquidity ratios of Won&Dollar are stable. But, World economy\u2019s flows are changed anytime.
\nSo, we are prepare continuous monitoring of the Foreign loan condition or liquidity present condition
\nand set up a unit to take charge of it. Also, domestic bank have a riciprocal arrangement that extreme competition of domestic&foreign business must be sublated.
\n4. Because of the strong yen, korea\u2019s export is increased.
\nSo, Both Won and dollar are remain stable.<\/p>\n

5. Although Sub prime mortage is influence the domestic economy, in early stage the situation
\nis right but, at the end of 2008 ShinhanWoori bank\u2019s liquidity ratios($) are below the 100.<\/p>\n

6. In 2009, The world economy is picking up, also korea\u2019s<\/p>\n

\n \ub808\ud3ec\ud2b8 \ub2e4\uc6b4\ub85c\ub4dc: \uc2e0\ud55c\uc740\ud589,\uc6b0\ub9ac\uc740\ud589,\uc2e0\ud55c\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc6b0\ub9ac\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc7ac\ubb34\ubd84\uc11d\uc0ac\ub840,\uc7ac\ubb34\ube44\uc728\ubd84\uc11d\uc0ac\ub840.ppt<\/span>   [size : 795 Kbyte]<\/a>\n<\/div>\n","protected":false},"excerpt":{"rendered":"

\uc2e0\ud55c\uc740\ud589,\uc6b0\ub9ac\uc740\ud589,\uc2e0\ud55c\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc6b0\ub9ac\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc7ac\ubb34\ubd84\uc11d\uc0ac\ub840,\uc7ac\ubb34\ube44\uc728\ubd84\uc11d\uc0ac\ub840\uacbd\uc601\uacbd\uc81c\ub808\ud3ec\ud2b8 \ub808\ud3ec\ud2b8 \ub2e4\uc6b4\ub85c\ub4dc: \uc2e0\ud55c\uc740\ud589,\uc6b0\ub9ac\uc740\ud589,\uc2e0\ud55c\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc6b0\ub9ac\uc740\ud589\uc7ac\ubb34\ubd84\uc11d,\uc7ac\ubb34\ubd84\uc11d\uc0ac\ub840,\uc7ac\ubb34\ube44\uc728\ubd84\uc11d\uc0ac\ub840.ppt   [size : 795 Kbyte] Financial Management The Analysis of Shinhan Bank&Woori Bank \uc5c5\uacc4\uc120\uc815- Shinhan bank & Woori bank A commercial bank is a type of financial institution and intermediary. It is a bank that provides transactional, savings, and money market accounts and that accepts time deposits. Banks take deposits from […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"_links":{"self":[{"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=\/wp\/v2\/posts\/222"}],"collection":[{"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=222"}],"version-history":[{"count":1,"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=\/wp\/v2\/posts\/222\/revisions"}],"predecessor-version":[{"id":223,"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=\/wp\/v2\/posts\/222\/revisions\/223"}],"wp:attachment":[{"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=222"},{"taxonomy":"post_tag","embeddable":true,"href":"http:\/\/testpie.com\/wp\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}