South Korean Banking Industry Analysis (2007-2011)

Published by: RNCOS

Published: May. 1, 2007 - 65 Pages

Table of Contents

1. Analyst View

2. Research Overview

3. Global Banking Sector - An Overview

3.1 Global Banking Industry Value

3.1.1 Geographical Segmentation

3.2 Global Banking Industry Forecast (2007-2011)

4. Asia-Pacific Banking Sector

5. Overview of Korean Economy

5.1 Recent Economic Developments in Korea

6. Financial System of South Korea

6.1 An Overview

6.2 Role of Financial Sector

6.3 Market Share of Financial Institutions

7. South Korea Banking Sector

7.1 Types of Banks

7.1.1 Central Bank

7.1.2 Commercial Banks

7.1.2.1 Nationwide Commercial Banks

7.1.2.2 Local Banks

7.1.2.3 Foreign Bank Branches

7.1.3 Specialized Banks

7.2 Top 10 Banks

7.2.1 Top 10 Domestic Commercial Banks

7.2.2 Top 10 Foreign Commercial Banks

8. Banking Industry Performance in South Korea

8.1 By Products

8.1.1 Credit & Debit Cards

8.1.2 Charge Cards

8.1.3 ATM & Store Cards

8.2 By Bank Deposits

8.3 By Ratio Analysis

8.3.1 Loan-Asset Ratio

8.3.2 Loan-Deposit Ratio

8.4 By Payment Instrument

8.4.1 Checks & Bills

8.4.2 Fund Transfer

8.4.3 Cards

8.4.4 E-money

8.5 By Net Income

9. Driving Forces

9.1 Growth in GDP

9.2 Growing Investment Needs Globally

9.3 Investment Freedom

9.4 Business Freedom

9.5 Growing Per Capita Income

10. Opportunities & Challenges

10.1 Opportunities

10.1.1 Mergers & Acquisitions

10.1.2 Overseas Business Expansion

10.1.3 Technological Advancement

10.1.4 Economic Reforms or Liberalizations

10.1.5 Growth in Mobile Banking

10.1.6 Robust Growth in Financial Cards Use

10.1.7 Opportunities in Bancassurance

10.2 Challenges

10.2.1 Basel II Accord

10.2.2 Volatility of Global Financial Markets

10.2.3 Rising Interest Rates

10.2.4 CRM Applications

10.2.5 Increasing Housing Prices

11. Future Outlook (2007-2011)

11.1 Deposits

11.1.1 Current Account Deposits

11.1.2 Time & Savings Deposits

11.2 Loans & Advances

11.3 Net Income

11.4 Net Margin

12. Key Players

12.1 Kookmin Bank

12.2 Shinhan Financial Group

12.3 Woori Finance Holdings Plc

12.4 Hana Bank

12.5 SC First Bank

13. Annexure

13.1 History of Foreign Banks

13.2 Regulation for Foreign Banks

13.3 Monetary Framework

13.3.1 Inflation Targeting

13.3.1.1 Target Indicator

13.3.1.2 Target Level

13.3.1.3 Target Achieved Period

List of Figures:

Figure 3-1: Global - Banking Industry Segmentation by Region (%), 2005

Figure 3-2: Global - Forecast for Banking Industry Growth (%), 2007-2011

Figure 4-1: Asia-Pacific - Bank Deposits (in Billion US$), 2000-2005

Figure 6-1: South Korea - Contribution of Banking & Financial Sector (%), 2006

Figure 6-2: South Korea - Market Share of Financial Institutions (%), May 2005

Figure 7-1: South Korea - Constituents of Commercial Banks (in Numbers), 2006

Figure 7-2: South Korea - Assets Held by Types of Commercial Banks (%) 2006

Figure 8-1: South Korea - Number of Debit & Credit Cards Issued per Consumer, 2004

Figure 8-2: Global - Top Countries by Number of Cards Issued per Consumer, 2004

Figure 8-3: South Korea - Reasons for Making Payment by Card (%)

Figure 8-4: South Korea - Bank Deposits (in Billion US$), 2001-2006

Figure 8-5: South Korea - Growth in Bank Loan-Asset Ratio (%), 2001-2006

Figure 8-6: South Korea - Growth in Bank Loan-Deposit Ratio (%), 2001-2006

Figure 8-7: South Korea - Average Number of Transactions per Day by Checks & Bills (in Thousand), 2002-2006E

Figure 8-8: South Korea - Average Number of Transactions per Day by Fund Transfer (in Thousand) 2002-2006E

Figure 8-9: South Korea - Average Number of Transactions per Day by Cards (in Thousand), 2003-2006E

Figure 8-10: South Korea - Average Number of Transactions per Day by E-Money (in Thousand), 2004-2006E

Figure 8-11: South Korea - Net Income of Banks (in Billion US$), 2001-2006

Figure 9-1: South Korea - GDP Growth (%) 2001-2006

Figure 9-2: South Korea - Per Capita Income (in US$) 2001-2006E

Figure 11-1: South Korea - Forecast for Current Account Deposits (in Billion US$) 2007-2011

Figure 11-2: South Korea - Forecast for Time & Saving Deposits (in Billion US$) 2007-2011

Figure 11-3: South Korea - Forecast for Bank Loans & Advances (in Billion US$), 2007-2011

Figure 11-4: South Korea - Forecast for Net Income of Banks (in Billion US$), 2007-2011

Figure 11-5: South Korea - Forecast for Net Margin of Banks (%), 2007-2011

Figure 12-1: Shinhan Financial Group - Stock Performance

Figure 12-2: Woori Finance Holdings Plc - Stock Performance

Figure 12-3: SC First Bank - Stock Performance

List of Tables:

Table 3-1: Global - Banking Industry (in Billion US$), 2003-2006E

Table 3-2: Global - Forecast for Banking Industry (in Billion US$), 2007-2011

Table 5-1: South Korea - Key Economic Indicators (2001-2006)

Table 7-1: South Korea - List of Commercial Banks, 2006

Table 7-2: South Korea - Major Funds Sources & Uses of Commercial Banks (June 2006)

Table 7-3: South Korea - List of Specialized Banks, 2006

Table 7-4: South Korea - Top 10 Domestic Commercial Banks by Assets & Profit (in Billion Won), 2005

Table 7-5: South Korea - Top 10 Foreign Commercial Banks by Assets (in Billion US$), 2005

Table 12-1: Kookmin Bank - Key Financials (in Million US$) 2003-2005

Table 12-2: Shinhan Financial Group - Key Financials (in Million US$) 2003-2005

Table 12-3: Woori Finance Holdings Plc - Key Financials (in Million US$) 2003-2005

Table 12-4: SC First Bank - Key Financials (%) 2004-2006

Abstract

• How competitive is the market landscape of Banking Industry in South Korea?
• The nature of the services driving the Banking Sector in South Korea?
• What are the various opportunities and challenges in this industry?
• What are the prospective areas of investment for the banks in the near future?
• Which factors will lead to the growth of bankcards, loans and deposits in China?

• As per 2004 records, latest available, South Korea is ranked second after the United States in the number of credit and debit cards people holders (3.35 card per individual).
• Use of ATM only cards declined, largely due to the growth of debit cards and increasing use of Internet and home banking.
• Growing at a CAGR value of 12.29% during last five years (2001-2006), bank deposits reached US$ 531.7 Billion (Won 491869.3 Billion) at the end of 2006.
• South Korean Banks’ lending grew at a CAGR of 16.27% during the last five years. Total lending to the public was US$ 480.1 Billion in 2006.
• It is forecasted that Bank loans will grow with the CAGR of 19.29% during the period spanning 2007-2011 to reach US$ 1278.3 Billion (Won 1182540 Billion) in 2011.
• Implementation of Basel II accord will be main challenge for the South Korea banking industry.

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