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시장보고서
South Korean Banking Industry Analysis (2007-2011)
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Abstract
In the market research report on "South Korean Banking Industry Analysis
(2007-2011)" RNCOS provides extensive research and objective analysis of the
growing banking industry, their product quality, and services offered in South
Korea. Facts and figures given in this report help clients to analyse the
leading-edge opportunities critical to the success of the banking Industry in
South Korea. It also helps investors, financial service providers, and global
banking players navigate the evolving market of banks in South Korea.
Key Products Analysed
Key products namely Deposits, Credit Cards, Debit Cards, loans, and ATM
facility are also analysed supported by the facts like the market trends.
Key Players Analysed
This section provides an overview, key facts, financials and stock performance
of several players like Kookmin Bank, Hana Bank, Woori Finance Holdings Plc,
Shinhan Financial Group and SC First Bank.
Key Issues and Facts Analysed
This report attempts to answer key questions that are critical for the success
of banking sector in South Korea, such as:
- 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
South Korea?
Key Findings
- 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.
Research Methodology Used
Information Sources
Information has been sourced from namely, books, newspapers, trade journals,
and white papers, industry portals, government agencies, trade associations,
monitoring industry news and developments, and through access to access to
more than 3000 paid databases.
Analysis Methods
The analysis methods include the following: Ratio Analysis, Historical Trend
Analysis, Linear Regression Analysis using software tools, Judgmental
Forecasting and Cause and Effect Analysis.
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
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