![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-1](http://images.happyhaksul.com/thumb/555/554056-0001.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-2](http://images.happyhaksul.com/thumb/555/554056-0002.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-3](http://images.happyhaksul.com/thumb/555/554056-0003.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-4](http://images.happyhaksul.com/thumb/555/554056-0004.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-5](http://images.happyhaksul.com/thumb/555/554056-0005.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-6](http://images.happyhaksul.com/thumb/555/554056-0006.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-7](http://images.happyhaksul.com/thumb/555/554056-0007.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-8](http://images.happyhaksul.com/thumb/555/554056-0008.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-9](http://images.happyhaksul.com/thumb/555/554056-0009.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-10](http://images.happyhaksul.com/thumb/555/554056-0010.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-11](http://images.happyhaksul.com/thumb/555/554056-0011.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-12](http://images.happyhaksul.com/thumb/555/554056-0012.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-13](http://images.happyhaksul.com/thumb/555/554056-0013.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-14](http://images.happyhaksul.com/thumb/555/554056-0014.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-15](http://images.happyhaksul.com/thumb/555/554056-0015.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-16](http://images.happyhaksul.com/thumb/555/554056-0016.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-17](http://images.happyhaksul.com/thumb/555/554056-0017.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-18](http://images.happyhaksul.com/thumb/555/554056-0018.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-19](http://images.happyhaksul.com/thumb/555/554056-0019.gif)
![[재무관리] 신한은행 vs 우리은행 재무분석(영문)-20](http://images.happyhaksul.com/thumb/555/554056-0020.gif)
분야
pptShinhan bank
Woori bank
자본적정성-BIS Ratio (자기자본비율)
Analysis of Shinhan & Woori Bank
Recommendation
여신건전성-1
여신건전성-2(계속)
recommendation
수익성-ROA(Return on Asset)
Recommendation
유동성(Liquidity Ratio)
생산성(Productivity index)-1인당 생산성
생산성(Productivity index)-점포당 생산성
Conclusions about Shinhan Bank
because of PF loan (nomal→ non-performing) 1.1 trillion won.
The NPL ratio of Woori(3.34) was greater than the NPL ratio of bank average(1.89) at 4Q in 2010.
It was bad, compared to the NPL ratio of bank average.
What Does NPL Coverage Ratio Mean?Financial ratio measuring a bank's ability to absorb potential losses from nonperforming loans.
The NPL coverage ratio of Shinhan bank is greater than Woori bank.
The NPL coverage ratio of Shinhan bank has decreased 60% from 4Q in 2008 to 4Q in 2010.
However, the NPL ratio of bank average also has decreased 90%.
The NPL coverage ratio of Shinhan(133.1) was greater than the NPL coverage ratio of bank average(106.36) at 4Q in 2010.
It was good, compared to the NPL coverage ratio of bank average.
The NPL coverage ratio of Woori bank has greatly decreased 140% from 4Q in 2007 to 4Q in 2010.
The NPL coverage ratio of Woori(70.07) was lower than the NPL coverage ratio of bank average(106.36)
at 4Q in 2010.
It was bad, compared to the NPL coverage ratio of bank average.
NIM is a measure of the difference between the interest income generated by banks or other financial
institutions and the amount of interest paid out to their lenders(for example, deposits), relative to the
amount of their (interest-earning) assets.
NIM= (Interest income-Interest expense)/Total Equity
Financial Supervisory Service once used loan-deposit margin to rate profitability, but since 2000 FSS is
using NIM to rate profitability.
Right now, Woori and Shinhan scores lower NIM than the bank average.
It means that both bank's profitability of interest is lower than the bank average.
