[Korea Jeongseon financial newspaper reporters] last year, domestic banks net income increased significantly national banks credit costs in shipbuilding and shipping industry restructuring and blame plummeted nearly 32 percent over the previous year.
According to the Bank of Korea Financial Supervisory Service announced preliminary operating results six days, before loan loss reserves last year, moved into the domestic banking sector net profit in 2015 to 3 trillion (4.4 trillion won) fell more than 1.4 trillion won (31.8%).
FSS is analyzed as "will, despite the increase in interest income due to the increase in assets under management, mainly due to the increase in credit costs in accordance with such special bank shipbuilding slump, reducing net income of reasons.
Industrial banks, specialized banks, such as last year's bad debt expenses of the Export-Import Bank to supply the financial policies was 2.2 trillion won and 8.9 trillion won higher than the previous year. Scale net loss of 600 billion won, or special bank increased from 2015 last year to 3.5 trillion won (2.9 trillion won).
Especially Development Bank found the largest deficit since 4.9 trillion won last year's net loss to 3 trillion won in 1998 at the time of the financial crisis.
Last year, while commercial banks' credit costs decreased by 1.1 trillion won to 2.8 trillion won thanks to risk management than in 2015. General profit of the Bank increased by 27.7% in 2015 to more than 6.5 trillion won (5.1 trillion won). With the exception of local commercial banks showed a profit banks geupjeungse of 32.5%.
Assets Margin (ROA) shows how much effectively operate as an asset of 0.13%, a return on equity indicators (ROE) represents the operational efficiency fell respectively 0.08% points, 0.93 percentage points to 1.65% compared with the previous year. 2000 was the aftermath of the financial crisis (ROA -0.59% · ROE -11.02%) more than the worse.
On the other hand, ROA of banks was up against by 0.45%, ROE was 0.08% compared to the previous year points to 5.88 percent, 0.99 percentage points.
Domestic banking sector interest income increased year-on-year to 34.4 trillion won 900 billion won. Net interest margin (NIM) stood at a record low level of 1.55% as deposit interest rates reduced the impact of differences. Net interest margin is six years after the downhill the 2.32% recorded in 2010.
Rain (非) Interest income decreased both fee income and related securities gains decreased by 4.9 trillion won and 1.1 trillion won a year earlier.
Selling and administrative expenses were both reduced compared to the previous year to 100 billion won 22.4 trillion won. Some labor by retirement of commercial banks increased by 200 billion won a 300 billion won, but the rain juleoseo things.
Non-operating losses last year, domestic banks due to losses related to equity affiliates invest 400 billion won compared to the previous year increased by 1 trillion.
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