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The profits of the big four commercial banks on "interest and business" in the first half of this year reached 10 trillion won.
As a result, the big four banks exceeded 1 trillion won in net profit in the first half.
According to the bank's data, KB Kookmin, Shinhan, Woori and KEB Hana Bank posted a profit of 10.758 billion won in the first half of this year, up 11.3 percent (1.95 trillion won) compared to the same period last year.
This is the first time since the merger of Hana Bank and KEB in 2015 that the interest income of the top 4 largest banks in the first half exceed 10 trillion won, the largest gain on revenue interest of 2 967 billion won. Followed by Shinhan Bank with 2.71 billion won, Hana Bank with W2.52 billion, and Woori Bank with 2.4 trillion won.
Shinhan Bank posted the highest growth rate with an increase of 323.3 billion won (14.0%) compared to the same period last year.
The reason the bank has been able to generate huge profits through its interest bearing business is the continuous improvement of NIM.
Shinhan Bank's NIM increased 1.61% in the first quarter and 1.63% in the second quarter compared with 1.58% in the fourth quarter of last year.
Woori Bank also increased from 1.47% to 1.50% and 1.52% over the same period.
Kookmin Bank stagnated at 1.71% compared to the previous quarter, but is higher than other banks.
Hana Bank announced a 1.57% increase in the second quarter after the first quarter, but has already grown for five consecutive quarters since the first quarter of last year.
Thanks to the huge profits made, the bank achieved a "success rate" in the first half.
Net profit exceeded 1 trillion won by Kookmin Bank by 1.33 billion won, Shinhan Bank by 1.20 billion won, Woori Bank by 1.24 trillion won, and Hana Bank by 1.99 trillion won.
During the first half of last year, Hana Bank, which was the only one with less than 1 trillion KRW in the first half of last year, grew by 19.5% (194, 5 billion won) in one year.
It is worth mentioning that the big four banks will be able to record a net profit of 2 trillion won a year. Last year, Kookmin Bank (2.1 trillion won) and Hana Bank (2.1 trillion won) exceeded 2,000 trillion won.
Banks say that they are doing well and doing good, but basically they have a critical eye on whether a performance feast based on the interest margin is desirable.
In particular, it was pointed out that interest rates rose rapidly as interest rates began to rise, while deposit rates rose more slowly than they did. have been in the interest of the companies.
According to the Bank of Korea's weighted average interest rate statistics, the difference between the deposit bank deposit interest rate and the loan interest rate went from 2, 30% in the fourth quarter of last year to 2.35% in the second quarter.
The Bank of Korea (BOK) is expected to raise the benchmark interest rate recently, and the market interest rate will continue to rise. In this case, the interest rate differential can be further increased.
This is the context of the anticipated profits this year. According to the consensus on the net profit (consolidated base) of the financial market, KBFG is worth KRW 3.500 billion, Shinhan Bank KRW 3.366 billion, Hana Bank KRW 2.300 billion KRW, and Woori Bank KRW 2.800 billion KRW.
It is estimated that the annual net profit of the four major financial corporations or banks exceeded 11 trillion won, while the smallest increase was 5.6% (KB Financial Group) and 38.1% (Woori Bank). .
If the loan rate increases, the debt burden of vulnerable groups may become larger and the bank's commercial behavior may be controversial.
This is the badysis that the financial authorities have recently looked into in the system of calculating the interest rate of banks.
Professor Shin Hong-Ie, a professor at Hongik University, said: "The bankruptcy rate of household debt has not been high and mortgages have supported the value of the loan. Real Estate. "We should have a debt relief policy for borrowers with low debt."
(Unit: 100 million won,%)
┌────┬┬────
│ Banks │ Net income │ Interest income │
│ ├─────────────────────
│ │ This year │ Last year │ Increase │ Change │ Year │ Last year │ Increase │ Change │
–
│ KB nation │ 13,533 │12,092│1,441 │ 11.9 │29,675│26,644│3,031│ 11,4│
–
14.7
–
Us │ 12,369 │10,321│2,048 │ 19,8 │24,946│23,099│1,847 │ 8,0│
–
│KEB │ 11 933 │ 9 988 │ 1 945 │ 19.5 │ 25 825 │ 23 076 │ 2 749 │ 11.9 │
–
Total, 5 50.553 │ 43.444│7.109 │ 16.4 │107.58│96.633│10.950│ 11.3 │
│ │ │ │ │ │ │ │ │ │ │ │
N───────────────────────────────────────────────── ────────────────────────────────────────────────── ────────────────
(Unit:%)
┌─────────────────────── Bank │ Q4 2017 │ Q1 2018 │ Q2 2018 │ ├───────────────────────────────────────────────── │ KB people │ 1.71 │ 1.71 │ 1.71 │ ├───────────────────────────────────────────────── 1.58 │ 1.61 │ 1.63 │ ├───────────────────────────────────────────────── We 1.47 1.50 1.52 ├───────────────────────────────────────────────── A KEB │ 1.53 │ 1.57 │ 1.57 │ └───────────────────────────────────────────────── ───────────────────────────────────── [email protected] (Seoul-Yonhap News) Yong-joo Park
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