Hana Financial Group projects a 20bp annual drop in CET1 ratio from a 100 trillion won productive finance initiative, but expects profit generation to fully offset the impact; the group also signals readiness for reduced dividends and anticipates a turnaround in non-banking units by 2027.
#YonhapInfomax #HanaFinancialGroup #CET1Ratio #ProductiveFinance #DividendPolicy #NetInterestMargin #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=87674

South Korea’s major banks are ramping up bancassurance sales to offset falling net interest margins, with KB Kookmin Bank leading a surge in non-interest income as regulatory changes and demand for dollar insurance products drive market expansion.
#YonhapInfomax
#Bancassurance #KBKookminBank #NonInterestIncome #DollarInsurance #NetInterestMargin
#Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=83149

South Korean banks face rising new non-performing loans and persistent asset quality risks, with experts warning that ongoing economic headwinds and higher funding costs will pressure profitability and require stricter risk management in the second half of 2025.
#YonhapInfomax #KoreaInstituteOfFinance #NonPerformingLoans #NetInterestMargin #AssetQuality #BankEarnings #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=82715

FSC Vice Chairman Kwon Dae-young has called for a fundamental review of South Korean banks’ high net interest margins, urging industry self-regulation and government action as public criticism mounts over persistent rate gaps despite policy easing.
#YonhapInfomax #FinancialServicesCommission #NetInterestMargin #HanaBank #DepositInsurance #InterestRateGap #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=79575

South Korea’s household loan rates fell for a sixth straight month in May, with mortgage rates staying below 4% for a second month, as market rates declined and banks’ net interest margins narrowed to their lowest since 2021.
#YonhapInfomax #HouseholdLoanRates #BankOfKorea #MortgageRates #NetInterestMargin #DepositRates #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=69942

South Korean banks are intensifying efforts to defend net interest margins as rate cuts loom, considering slower shareholder returns and reduced loan rate benefits amid falling low-cost deposits and rising competition for non-interest income.
#YonhapInfomax #NetInterestMargin #ShareholderReturns #KBFinancialGroup #LowCostDeposits #LoanLossProvision #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=68475

South Korean banks' household loan rates fell for the fifth consecutive month in April, with mortgage rates dropping below 4% for the first time in eight months, as expectations for a policy rate cut grew and net interest margins narrowed.
#YonhapInfomax #HouseholdLoanRates #BankOfKorea #MortgageRates #NetInterestMargin #DepositRates #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=64903

Kakao Bank reports record profits, aims to maintain 2% NIM despite expected decline by focusing on low-cost deposits and loan growth
#YonhapInfomax #KakaoBank #NetInterestMargin #Q1Earnings #LowCostDeposits #LoanGrowth #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=61956

iM Financial Group aims to maintain 1.75% NIM until year-end and manage delinquency rate at 0.7%, focusing on loan management and digital strategies for growth
#YonhapInfomax #iMFinancialGroup #NetInterestMargin #DelinquencyRate #LoanManagement #DigitalStrategy #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=60750

South Korea's major banks post record Q1 profits of 4.9 trillion won, but declining NIMs and economic headwinds signal potential challenges ahead
#YonhapInfomax #BankPerformance #NetInterestMargin #EconomicRecession #CorporateLoans #FinancialHoldingCompanies #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=60604

Hana Financial Group announces Q3 share buyback plans and sees potential for corporate loan growth, while maintaining a cautious approach to capital management and overseas operations.
#YonhapInfomax #HanaFinancialGroup #ShareBuyback #CorporateLending #CapitalRatio #NetInterestMargin #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=60479

Shinhan Financial Group aims for 42% shareholder return rate in 2024, accelerating share buybacks amid low valuation, while maintaining cautious stance on asset quality and NIM outlook.
#YonhapInfomax #ShinhanFinancial #ShareholderReturn #ShareBuyback #AssetQuality #NetInterestMargin #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=60446

South Korea's major financial holding companies show resilient Q1 performance, but face challenges from rising delinquency rates and loan loss provisions amid economic uncertainties.
#YonhapInfomax #FinancialHoldingCompanies #Q1Performance #NetInterestMargin #DelinquencyRates #LoanLossProvisions #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=57369

South Korean banks' interest income nears 60 trillion won in 2024, with net profit rising to 22.4 trillion won despite slowing growth and NIM contraction, as loan loss provisions decrease significantly.
#YonhapInfomax #InterestIncome #NetProfit #BankingPerformance #LoanLossProvisions #NetInterestMargin #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=54122

KB Kookmin Bank implements cost-cutting measures, eliminating executive perks like chauffeurs and personal secretaries amid challenging economic conditions and intensifying competition in the banking sector.
#YonhapInfomax #KBKookminBank #CostCutting #ExecutivePerks #BankingCompetition #NetInterestMargin #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=53503

South Korean banks prioritize risk management over high-yield corporate bonds, focusing on government securities and deposit rate adjustments to maintain profitability amid falling interest rates.
#YonhapInfomax #CorporateBonds #NetInterestMargin #RiskWeightedAssets #BankOfKorea #DepositRates #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=52906

Chinese banks face profit challenges as average Net Interest Margin hits record low of 1.52% in Q4, driven by interest rate cuts and regulatory pressure to favor customers
#YonhapInfomax #ChineseBanks #NetInterestMargin #RecordLow #InterestRateCuts #DigitalTransformation #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=51885

Shinhan Bank leads commercial banks in lowering 1-year fixed deposit rates below 3%, reflecting broader market trends and pressures on banks' net interest margins.
#YonhapInfomax #ShinhanBank #DepositRates #CommercialBanks #InterestRates #NetInterestMargin #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=51688

Major South Korean banks net redeem bank bonds for two consecutive months, focusing on RWA management and NIM defense amid interest rate cut trends and conservative loan growth strategies.
#YonhapInfomax #BankBonds #RiskWeightedAssets #NetInterestMargin #LoanGrowth #LiquidityCoverageRatio #Economics #FinancialMarkets #Banking #Securities #Bonds #StockMarket
https://en.infomaxai.com/news/articleView.html?idxno=50508