[Korea Jeongseon financial newspaper reporters: "If the bank is important, because ownership trust to find new shareholders ..."
Sales start ahead of this month 'No. 1' K bank has internet banking professional is not easy to complain Increased ownership In the current Bank Act restrictions.
According to the current banking law Bank holds stakes in non-financial Business Operator (industrial capital) is limited to 10% (based on voting rights 4%). K Bank is limited to increase its stake according to the "separation Eunsan (holding shares of Industrial Bank capital requirements) Although named after KT.
Kay says the bank is planning to add a capital increase pursuant to the initial capital of 250 billion won 2-3 the next year ready to rush to the capital increase sales immediately after the start of years. The business environment variables to claim a one currently operating the first year is reported to be no herd.
But in the end, to establish a procedure for the loan funds to increase the capital. Difficult and even increase dramatically over the customer deposit does sewooji my other benefits of high interest rates or differentiation, launched earlier called debentures issued anahseoda not even nokrok. K. Shim, Sung - Hoon bank haengjang has been described as "starting capital of 250 billion won, but at a scale that can not be lending conditions as IT systems development and labor, etc." In the last month, 20 days Assembly Political Affairs Committee hearing.
The National Assembly, information and communication technology (ICT) companies, such as eye opening five bank shares held restricted nonfinancial's flagship to lead the Internet specialized bank 34 to the Banking Act amendment not, Internet banking Special Act that are pending release to 50%. As the two passed the bill collapsed in Congress eased temporarily separated Eunsan debate the pros and May is the situation again deferred to the next government after the launch.
K Bank launched in two months if you plan right now is the inevitable communication to shareholders and buy additional investment Since the end of the year. Even won a major non-financial businesses such as KT want a capital increase gotta do is increase the stake of other shareholders not accompanied by changes because it violates the current Banking Act.
For example, depending on the Act on Special Cases If KT could not increase its stake to 34% can increase the 850 billion won. However, when applied as the current interest rate (8%) KT may add up to 20 billion won investment, KT et al. And the remaining 20 companies, each division must be in accordance with the stake.
Kay bank when officials given the "stake be the case that that may inadvertently cause silgwonju lovable There is also a startup added contributions burdens jungen low minority shareholders," said "the Internet specialized bank introduced the spirit to come out existing shareholders responsible shareholders from ICT companies should look for such a role, "he said.
The importance of stable governance is represented abroad Internet banking professional success. According to the case study and implications of international Internet professional banks' Report of the Korea Institute of Finance, the Internet specialized bank to 'survive' building a stable revenue base Besides loans growth potential revenue and cost structures, business models, business philosophy, ownership, governance the various parts such as architecture, technology was equally important role. The report said analysis "American Charles syuap bank ', as can be seen in Japan' equity banks' practices stable ownership, governance increases the likelihood of success of internet banking professional."
When the tip of the separation mitigation Eunsan 'gold dust solidification of the majority shareholder, and related concerns, Kay bank "fundamentally does not matter even stop to 0%," the credit facility limit on possible shareholder to 25% of the current capital position is. Provide a seamless offering loan financing and is interpreted as a commitment to a stable governance in banking.
Kay bank official said, "It is against the principles and spirit of the professional internet Eunsan separate Ioannina Bank Eunsan situations that require separation of deregulation in order to see and stable management in the industrial development perspective."
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