Monday, April 24, 2017

Financial fundamentals 'Institute of margins' secret hosiljeok



Won the [South Korea sinyuncheol financial newspaper reporters] are side by side with the first quarter of the bank-owned financial holding them hosiljeok. Unlike reputedly the perception that the crisis of the financial results will still be a skyrocketing. La trend branch employment is also reduced which reduces the future, were also to be expected that the bank lost. But look at this, only one quarter the crisis seems not yet come. The background of the first quarter hosiljeok yen has Institute of margin, which is the lifeline of the bank.

◇ interest income increased significantly

NIM (net interest margin) rising inde banks and financial holding common requirements is a fundamental basis of this performance. Shinhan Financial was the first quarter NIM enters the 2% to 2.01% to 2.11% for the first time since the first quarter of 2015. Compared to the previous quarter widened to 0.04% points. KB Financial was 0.06% point rise to 1.95%. Hana Financial Group also rose 0.06% compared to the previous quarter point to 1.86%. Woori Bank climbed 0.08 percent points up to 1.91% most.

Financial authorities was recommended to refrain from lending, fearing the expansion household debt, which was a rather significant cause undoubtedly increase the interest income of the bank. Bank loans are a great opportunity to score following a limited way to raise interest rates, which called for improvement in interest income. According to the Bank of Korea, household loans, the average interest rate (newly extended) of the deposit money banks rose to 3.38% in February, a year annual 3.29 percent in December. The same period, deposit interest rates (less than 6-1 months time deposits newly extended) fell from 1.63% a year to 1.50% a year.

As a result, our citizens, Shinhan Bank, one of the first quarter the bank has four NIM from 0.04 to 0.07 percent point rise from the previous quarter. Kookmin Bank Interest income 1 trillion 264.2 billion increased by 11.8% YoY to KRW. Shinhan Bank raised the interest income of 9.8% to 1 trillion won 169.7 billion. Hana Bank and Woori Bank's interest income rose respectively 4.1% and 1.0%.

Where the increased interest to the many benefits, including the Financial Holding and the Bank recorded an increase of 14.5% compared to the previous year, KB Financial. Following Shinhan has increased by 9% neuleotgo corporate banking and financial one, our banks were 3.7%, 2.1% and 1.6%.

Interest income of the bank is likely to continue in the next quarter. This is because domestic interest rates are rising, as according to the US maintains a rate hike trend. This funding uncertainty in the financial markets did not find the overlapping investment are being managed in a way to leave money in the bank. I shall have the money in the bank drive-line and will be increased while loan interest is keeping the situation under sustained at a low level. Short-term floating capital is more than the end 1000000000000000 won for the first time last year. Banks are expected to continue this year, NIM improvement.



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