[Korea before lower cervical financial newspaper reporters - local financial holding three signs BNK Financial Group, DGB Financial Group, JB Financial Group showed earnings of the announcement, three subsidiaries of Capital Inc. and hosiljeok toktokhi holding my filial brown. 3 four staff productivity appears to average 100 million won he also showed high efficiency.
According to the three major local financial holding company earnings presentation, BNK Capital increased by 31.5% YoY to 57.2 billion won net profit. DGB Capital increase 161.5% than 2015, it recorded a net profit of 14.1 billion won last year, and profits increased more than twice. We JB Capital increased 14.5% YoY to 70.1 billion won and posted a record-high earnings. We JB Capital gains are higher than Jeonbuk Bank has contributed to holding gains traction. BNK Capital, DGB Capital is highly meaningful in the sense that prior to the regional economy worsened. Each expressed as a holding company would support the non-banking sector, including Capital has actively collected and interest if I can continue to grow this year.
◇ 1 · BNK Capital, our per capita productivity JB · DGB Capital Net Capital
Fat found to be holding the third Capital family of four the highest per capita productivity Capital we live JB Capital.
Last year, local financial holding company Capital 3 results divided by the number of net earnings for each employee in the data presented, JB our capital productivity was highest in the first two billion in 2000 won. BNK Capital was followed by 100 million won to 87 million won was DGB Capital. Each year the number of employees Capital Inc. reports earnings based on our JB Capital 571 people, BNK Capital 553 people (excluding the number of employees at overseas subsidiaries), the DGB Capital 161 people.
Productivity is utilized as an indicator to gauge the value calculated by dividing the net number of employees, financial institutions management efficiency. Said this figure is high, meaning higher efficiency of employees, typically three times the average salary level of the employee see as political.
So far three companies are state employees average salary is not disclosed. 17 days credit based on salary job expected JB our capital 69.25 million won, BNK Capital 4401 is a million won, DGB Capital 58.65 million won. Last year, based on total assets, JB our Capital 6.833 trillion won, BNK Capital 4.6926 trillion won, DGB Capital 1.8511 trillion won by JB Capital is our greatest assets. Credit amount equal to the average salary based on job JB has tripled our capital about 200 million won, BNK Capital is about 130 million won, DGB capital of about 170 million won. The average salary three times higher than productivity BNK Capital Corporation is a Capital.
◇ accomplished by assets and earnings growth fundamentals improve
Three companies were evenly around growth in the financial sector assets. JB our capital, DGB Capital has succeeded in improving earnings tow form a constitution.
Three of the four was the most DGB Capital asset growth keungeon. In each Financial Group 2016 earnings presentation materials, JB our capital, BNK Capital, DGB Capital has increased all financial assets. JB our capital by 12% to 6.3482 trillion won from a year Financial assets 5.6649 trillion won 2015, BNK Capital is a 2016 total financial assets 4.4506 trillion won a year earlier 4 1 trillion 8%, DGB capital than the 119.8 billion won 1 Joe was 798.1 billion won increased 47.34% than the previous year (1.2204 trillion won).
DGB Capital was rated as the most low growth potential of the local family holding company capital. DGB Capital lease was particularly driven machinery while the non-performing loans generated from Duke and industrial machinery leasing to the first quarter of this year had also beaten the crisis. According to the DGB Capital, which was 2.3 billion won in 2014 Doubtful and non-performing loans are estimated loss of 10.4 billion won in the year 2015, the NPL prayed increased 195 billion won from the 85 billion. However, through the constitution DGB Capital improvements could pull a profit.
While the amount of machinery occupied in 2014 had sales financing 76.2 billion won in the third quarter of 2016 decreased 85.17 percent to 11.3 billion won. Whereas durable goods, including cars, appliances, etc. has risen to 16.4 billion won is not handling performance.
Our car was a professional warrior JB Capital also increase the non-automotive sector, and staged a diversified portfolio. According to a 2015 JB Financial Group earnings, JB our Capital said it has increased the variety of products sales and corporate finance, car finance and moneylender loans based on personal credit and other real estate financing. Article 5 overall financial decline slightly from 664.9 billion won in 2016 to 82.4% who are auto-related assets accounted for 82.6% were non-automotive assets related assets increased slightly to 17.6% from 17.4% in 2015. We JB Capital is focused on portfolio diversification kkoehamyeo like running moneylender loans and finance new technology advance.
This is because the food is dwindling car jimyeonseo intensifying financial environment. This year we were down a JB Capital market share in the auto financing market with breakthrough KB Capital. According to JB Financial Group earnings, JB our capital accounted for 8.7% market share in the overall automotive financing markets except commercial sale. This figure is down 2 percentage points compared to 10.7% in April 2015 quarter. Capital increased by 0.7 percentage points, while KB from 9.5% to 10.2% in the fourth quarter of 2015. In domestic new vehicle KB Capital 8.4%, JB our capital was reduced by 8% market share 2.5 percentage points more than in 4Q10 and 10.5% in 2015. The passenger kept his hand against domestic new car market share to 12.2%.
We JB Capital explained that diversifying sources of revenue growth and stable asset is recorded maximum performance factors. JB Financial Group said, "last year's performance key features of △ solid loan growth and core earnings also continue to increase △ aggressive risk-weighted asset management asset quality and stability maintained through the △ active pin Tech correspondence new potential growth business and overseas together momentum ensuring "said.
BNK Capital was expected to lower growth rates. But this profit than last year recorded a higher net profit, while more than 30%. This is because the analysis of the situation after one days BNK World Financial Group was pursuing a management rather than profits. BNK Financial Group in last year's first quarter earnings conference call management "Hold lower BNK Capital assets increased in the wake of one days events will pursue appropriate growth goals," he said. At the time BNK Capital said in a conference call in 2016 was 51 billion won net profit, assets were 4.5 trillion won.
But BNK Capital exceeded the target. Compared to the performance targets, BNK Capital net income of 57.2 billion won higher, 4.0062 trillion won in total assets of 692.6 billion won, respectively, 1926, respectively. BNK Capital has achieved an automotive finance, general loan growth in all except the leasing / installment. General loans 1.3813 trillion won 15.65% YoY, automobile financing increased 11.15 percent to 2.4651 trillion won. Commercial vehicles increased 681.8 billion won in the fourth quarter of 2015 than the 673.6 billion won 8.1 billion won, in the passenger car sector than 2393, 1.5441 trillion won in 2015, respectively. BNK Capital has focused on strengthening auto financing. Only last year opened a used car financing platform 'BNK sseomka. Credit Finance consulting company KFC (KOREA FINANCIAL CONSULTING) signed a service contract with used cars available for sale was built a system to filter out false items in advance. In addition BNK Capital Park and assimilation M. 7: Capital launched an assimilated to equity ratio of 3.
BNK Capital officials "BNK Capital could make money consistently compared to four other Capital portfolio diversification does not affect the game in a well," he said.
Household loans Corporate loans is 73.7 billion won in the general part of the loans increased 137.5 billion won. Leasing / installment was reduced by 17.4% YoY to 602.9 billion won. 147.9 billion won machine tools, medical equipment 161.3 billion won, 595 to each other ₩ 293.7 billion won, 100 million won, 67.4 billion won decreased.
JB We have three major ROA Capital 1.09%, DGB Capital 0.89%, BNK BNK Capital Capital 1.3% in the highest. Our ROE is JB Capital 10%, BNK Capital 10.68%, was the DGB Capital ~%. BNK Capital-below loan ratio was the lowest with 1.53% JB was our Capital 2.23%, DGB Capital 1.61%.
◇ three-year, four car finance major overseas market outlook
This year three companies are expected to continue kkoehal a diversified portfolio with a focus on car financing. BNK Capital has unveiled a used car platform "BNK sseomka 'last year. Sikimyeo Capital also launched a fairy tale and fairy tale with M. Park is expected to focus towards the used car sales.
BNK Capital official said that "side car financing new cars, imported cars, as well as will also strengthen its highly profitable used car sector this year."
JB is also our policy to try to car finance capital expansion by signing a professional car loan capital. The plan also proceed with a portfolio of diversified operations. This year is preparing a mobile TFT operating, service initiation for the automotive mobile channel expansion.
All the three companies operating in foreign states. In the domestic market, no longer remind determine the market expansion difficult. DGB Capital was launched in December last year, the subsidiary in Laos 'DLLC'. Laos There is an increasing demand on the basis of financial income increase due to strong economic growth in emerging markets has emerged. DGB Financial Group in March Koh Lao group signed a strategic business alliance, has developed an auto financing cooperation projects in Laos.
We JB Capital has hired former representative Lee in last year's International Business Division, Standard Chartered Securities equity portion of the ceremony. Myanmar is the current legal situation, waiting for the microfinance business is. Vietnam has conducted a market survey in January last year to install the field offices, in August last year took part in the argument to Phnom Penh Commercial Bank, Jeonbuk Bank, Afro-service group and the consortium.
BNK Capital has a subsidiary in Cambodia, Myanmar and Laos. Cambodia was established on March 7, 2014, it began operating in June 2015. Myanmar began operating in December that year it was established on 21 March 2014. Laos has entered a sales since July 2015. Myanmar and Cambodia microfinance corporation, Laos subsidiaries are engaged in the leasing.
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