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 China?
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 Table
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
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
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