[Korea financial newspapers around the lower cervical reporter] KB Capital launched the 'KB Cha Cha "last used car price lookup services this year plans hagetdaneun leading automotive markets, led by digitization.
KB Capital has issued a profit last year, up to the spirit. Last year, KB Capital consolidated basis, operating profit grew 54.48% YoY to 127.4 billion won. Sales of 27.15% to 473.4 billion won in net profit was achieved KB Capital largest profit increased 53.28 percent to 96.7 billion won. Net interest income also increased 28.6% from last year to 246.7 billion won. KB Capital affiliates have emerged as a superior within the KB Financial Group with record earnings last year.
According to KB Financial Group earnings in 2016, KB Capital ROA is 1.5%, ROE was 14.3%. KB Capital and ROE was higher in the KB Financial Group, KB Asset Management (43.32%), KB Real Estate Trust (16.42%) of the companies. The industry has been rated as one the fastest growing, especially since the KB Capital representative office Park Jiwoo 2015. Park Jiwoo representatives dwaeteumyeo again recommended as CEO acknowledged the merit of this year, the reappointment was confirmed in the last 23 days the General Shareholders' Meeting. For the night represented Recommended reason "Since taking office greatly improve the operating assets greatly elongated and maximum net visions, such as growth and profitability," he said "the group number, etc. My synergies and overseas auto financing market, management continuity for new growth projects considering the general terms of the recommended Park Jiwoo current CEO, "he said.
The center Park Jiwoo representative was able to profit last year, up to a platform offering used car quotes' KB Cha Cha. 'KB Cha Cha' is collected in the meantime which was a problem with incorrect information provided, such as fraud selling the used car market provides a fair market price information agent.
Park Jiwoo representatives thanks to the 'KB Cha Cha' success this year, plans to strengthen the digital sales channels, including mobile. To this end, KB Capital has established a Digital Business Division conducted a reorganization late last year. Digital Division was composed of Digital Business, Life Banking, CRM (Customer Relationship Management) unit, marketing, public relations department four departments. In particular, the digital division is promoting an online and mobile businesses of KB Capital focuses. A digitization strategy of Park Jiwoo representatives around the Cha Cha Cha This year KB has been interested in the collection if I could make a profit after the previous year.
◇ enhanced mobile convenience ... Digitization focused
KB Capital kkopneunda the "digital" this year, management direction. Improve the ease of mobile services non-face-to-face hagetdaneun plans to strengthen its sales channels ensuring customers. The center has a KB Cha Cha. Park Jiwoo KB Capital representative plans of creating a KB Cha Cha as a possible platform from Cicero to provide financial support.
KB Capital, said, "Currently KB Cha app within After the price inquiry KB Capital manner in which you want to division, including connections to limit the query site," and "to develop as you can get from the price lookup in a further apps here after right up to the financial platform Now, "he said. Used car quotes and trading platform KB Cha got the customer's response to the offer price last year is correct. Service initiation 1,000,000 people visited the second month in March surpassed the 10 million visits.
Meanwhile, used cars did not provide adequate information to customers. There the information is focused only used cars and used car maemaesang any of these conditions was the price varies widely. If car and the actual state of the other items listed on the used car sale site is also common. If a customer sale does not exist when the film went to buy only the sale it was also bujigisu.
KB Cha Cha was to provide correct and prevent these problems in the used car market price in advance. For this purpose a dedicated internal organization and used car experts are analyzing the used car trade in the domestic Big Data, and derive the price offered algorithm.
False items also were also constructed to filter system. Operating a marketing firm to raise in the Commercial KB Cha Cha's pre-screening agent members, and operates accept dues. Dues are kept in an escrow account, if the result is false for sale and use by the customer compensation. The heotgeoleum Compensation is it. The KB Capital is confident that contribute to healthy ecosystems form the used car market after KB Cha Cha.
KB Capital said, "Get used car sale site can earn some marketing firms all items receive only fees" and "Cha Cha KB satisfaction is high it features a selection of institutional arrangements for the company," he said.
Used car market competition is becoming fierce. Shinhan Card has announced the sale of used cars O2O platform, Shinhan Card tucha car, with a used car for sale online and offline connection service operators tucha car. BNK BNK Capital and operating lonesome car. Capital Capital bought a very, JB our capital, including also a situation that strengthen higher used car profitability. At the turn of the new car market plateaus often you see a dark car finance outlook.
KB Capital sees that the used car market is rather the point, the used car market slowdown width to obtain a stable income in the new car that is less than that in proportion as the new car market growth, growth. KB Capital, said, "For example, if the new car average growth slowing width 20% of used cars are relatively small with about 5%" and "When new cars are growing used car market has grown more sharply and there have also continuously rising demand for profitability this is good, "he said. According to the Ministry of Transportation, the used car market has been constantly growing in size, as against 3,284,429 in 2012, 3,377,084 in 2013, 3,468,286 in 2014 for, 3674 3,662,015 years. Year old car registration number is recorded 3,780,116.
KB Capital are also envisioned KB Cha Cha and possible linkages and partnerships car manufacturers, auto parts manufacturers, service companies, including automotive companies recruiting methods.
For the digitization of Cha Cha KB KB Capital it has developed a possible agreement in the contract system in the mobile car finance in general. UI (User Interface: Users that contains instructions or techniques that work for cell phones, computers, digital devices, the environment) also improved and is also working to increase customer convenience.
Cha Cha Cha as well as KB and progress in digitization and asset management. KB Capital Asset Management has also developed operating system for the rental car. KB Capital said, "is to build and operate a system that automatically manages the remaining period, maintenance period, etc. for the rental car," he said.
◇ building digital processes, risk management focus
This year KB Capital is planning to focus on building internal digital processes and risk management than top-line growth. This year as last year put the biggest gains achieved asset growth is a policy that focuses on the chopper boudoir. Last year, KB Capital is achieved largely by the sales growth to more than 2 trillion won to 5.5876 trillion won in assets in 2015 to 7.4528 trillion won.
We recently announced the establishment of four additional capital provision in the financial regulation authorities, and strengthen asset quality classification criteria are becoming important risk management.
Capital must earn 30% this year to buy additional allowances for high-risk lending interest rates over 20%. Capital's financing asset quality classification is also reinforced by the Bank level. Capital four installments or-less bond asset quality segment is less than the current 3 months past due to the normal, less than 3-6 months is critical, for more than 6 months or less are classified as stationary. In the future overdue 1 under normal, less than 1-3 months months is critical, for more than 3 months is enhanced in-below. KB Capital official said, "Oh discussion if less than 20% interest rate provisioning burden is only a few restrictions have been enhanced will focus on risk management."
KB Capital has extended its contract with GM Korea affiliated bank and signed an exclusive contract also extends financial institutions and Jaguar Land Rover Korea. Tesla installment sales also started. KB Capital last year's profit of imported cars in the background, the greater the impact brisk. KB Capital has established a dedicated Ssangyong Motor Co. affiliate sign SY Capital Auto Capital in a joint venture with Ssangyong Motor. Last year, Tivoli, etc. Ssangyong has acted as a drag thanks to popular KB Capital.
According to Ssangyong, Ssangyong Motors has surpassed quarterly sales of 1 trillion won in the first quarter of last year. Sales surpassed one trillion won for the reason Ssangyong Motor said large bar thanks to Tivoli. Tivoli explained that last year's sales volume increased by 34.7% YoY as 85,821 led Ssangyong sales growth. SY Auto Capital, founded also to all KB Capital and Ssangyong Motor 'win-win' served as.
Ssangyong is "November 2015, was able to further expand sales provide one-stop services, including bundled sales and financial services to support the financing of the establishment, the quality of capital dedicated SY auto financing company," he said.
Hosiljeok imported cars were also a factor the KB Capital to breakthrough. Land Rover has achieved an annual sales topped 10,000 units in the domestic expansion unusual 16 years in 2011. GM Korea also recorded a year annual earnings. Sparks grew 32.3% compared to about 58,978 in 2015 78,035 last year, Malibu sales increased 123.8% year to 36,658 last year. As this year extended the contract as Jaguar Land Rover, GM Korea it is expected to lead to stable earnings in the imported car sector.
Jaguar Land Rover Korea is dragging a popular premium brand of imported cars to domestic consumers rose an average growth rate of 50%. KB Capital, also thanks to the growth of Jaguar Land Rover and strengthen the domestic financial market, imported cars M / S 1 above. KB Capital has a positive outlook about the extension of the agreement with Korea GM. KB Capital, said: "GM Korea will likely spark was selected as a light vehicle sales record and a # 1 in Malibu and the new Trax models' safe car of the year to expand the domestic market, domestic sales." GM Korea has launched a three year junjunghyeong full model change new 'cruise', environmentally friendly vehicles 'Bolt'.
Considered as the future electric car sales began. Tesla can be sold only online. Currently, KB Home Capital may limit the Tesla queries and can be purchased in installments, leasing.
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