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Financial Management
The Analysis of Shinhan Bank&Woori Bank
업계선정- Shinhan bank & Woori bank
A commercial bank is a type of financial institution and intermediary.
It is a bank that provides transactional, savings, and money market accounts
and that accepts time deposits.
Banks take deposits from savers, paying interest on some of these accounts.
They pass these funds on to borrowers, receiving interest on the loans.
Their profits are derived from the spread between the rate they pay for funds
and the rate they receive from borrowers.
We choose two big commercial banks and the average of banks in Korea to analyze financial ratios and recognize financial health.
Financial Management
vs
Shinhan bank
The Shinhan Bank has substantial importance and influence in the Korean financial system supported by the solid third largest market position in terms of assets.
The Bank is planning t…(생략)
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Usuallymore than 10%equityratio, primarycapitalratiois
less than 8%is assessedashealthy banks.
Shin Han Bank have had the capital by using capital increase and publishing subordinated bonds and hybrid bonds.
According to this, at the time of 2xxx, BIS & Basic capital ratio has remained high levels.
Even though the lessening trends of asset quality would be burden, their continuous abilities and buffering capacity is still good.
Even though continuous dividends payments, there is increase of capital.
There is also the efforts of capital increase, new capital insurance of capital securities, subordinated bonds.
Thus, BIS ratio(14.7%), Basic capital ratio has remained high levels at the end of 2xxx.
Financial Management
Analysis of Shinhan & Woori Bank
Due to the increase of low level bonds, profitability and asset quality is lossing after
global economy crisis.
Exit strategy(the concern of global economy condition, the rising of rate, etc.) and the pres
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신한은행,우리은행,신한은행재무분석,우리은행재무분석~.ppt
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