Nice Sinpyeong "a special bank commercial banks profitability sacrifice protection"

[Korea goyounghun financial newspaper reporter] Nuys credit rating that credit rating methodology to amend the banking supervisory regulations to reflect the proposed changes next month, said 20 days. In addition, due to the special bank sacrifice pointed out that the profitability of commercial banks hyeongguk protected.

Nice Sinpyeong explained that the visions were very sluggish domestic bank profitability results of this analysis of the last closing performance. Net income was 3 trillion and net profit margin assets (ROA) was 4.4 trillion won compared to the previous year fell 0.21% to 0.13% both. And net income ROA hit the lowest since 2000, the banking industry as a whole had posted a deficit.

Nice Sinpyeong yihyeokjun financial evaluation implementation "Last year was the aspect that the profitability of domestic banks are differentiated by group" and "specialized banks, while the vision for massive losses to affect the vulnerable sector credit ratio, shipbuilding, shipping companies restructure advanced high-General banks were diagnosed to have increased profits despite the year-on-year thanks to the stable growth of household loans, "low interest rates.

The situation of the current banking industry, thanks to the sacrifice of specialized banks vulnerable sector support of a special bank hyeongguk in the profitability of banks and protection to this figure because it is based on the tax of the taxpayer that can continue indefinitely Sinpyeong side is nice comments.

In the case of Daewoo Shipbuilding & Marine Engineering wateuna to a special bank, Industrial Bank and the Export-Import Bank financial support is almost exhausted, which was initially supported limit pricing is a situation that has been expanded controversy about whether further assistance.

In accordance with the implementation As the "results of the year banks will be left like ramifications of vulnerable sectors supporting sustainable if interest rates rise in the specialized banks," he said "last December, amended the Supervisory Regulation to recognize loan loss reserves of bank shares capital Since the end of 2016, loan loss reserves have gotta closing time was recognized as the capital shares rose slightly regulatory capital ratio (BIS · · basic common equity ratio) compared to the previous revision of the supervisory regulations for all banks, "he said.

Accumulation rate losses, while the formula was changed loan loss reserves ohdeon regarded as provisions in terms of asset quality, depending on the injeongdoem to common equity. Accordingly, allowances were revised supervisory regulations Accumulation rate is falling sharply the previous year.

Nice Sinpyeong is planning to amend the Banking credit rating methodology to reflect the regulatory changes, including oversight of the April this year. Credit Rating Methodology The amendment said it would share losses reflect the creditor (Bail-in) regulatory changes such as the recent global banking environment, in addition to the changed regulatory capital ratios, reserve Accumulation rate.

"The existing credit rating changes triggered bank was granted (trigger) because it is determined by the previous supervisory regulations change criteria will be presenting a new rating triggers that reflect the regulatory changes," he said, "Bank Credit Rating Methodology When future amendments are finalized according to the original bill will apply from the time, "he said.



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