Ϲ 忡 繫ǥ ϱ ʴ. Ư Ϲݱ ϴ PBR, PER, ROE Ϲǥθθ ġ Ǵ ߸ Ǵϱ ϴ. ۿ ǥ Ư ֿ üũƮ 캸, /츮ֿ ַθȣ/ѱȣ 캸 ϰڽϴ.
Ư
Ϲε ϱ ߿ ϳ PER ƴ PBR ϴ Դϴ. PER ? PER ðѾװ Ͱ 踦 Ÿ ǥμ, 뼺 Ůϴ. ſ ũٸ, PER ϴ ϴ ü ǹ ֽϴ. ⺻ ſ ū ε, ϴ.
ù° ڻ ߿ ä Ŀ 繫 ū Դϴ. ̴ 鿡 ڻ ä ؼ ̸ ڻ ϴ ־̱ Դϴ. Ϲ ڻ 95% ܰ ѺäԴϴ. ڻ ߿ ں 5% ۿ Ǵ Դϴ. ڻͷ̳ ä ణ ٲ ũ ٲ ֽϴ. ̴ Ϲε ô㺸 , ϳ ðⰡ ħüǰų 㺸 ս Ŀ Ͱ ϴ. 繫 ũ ͺ Ŀ Դϴ.
° νϴ Ȯ 찡 ϴ. ̴ ߿ ջ ũ Դϴ. ̴ ջ ͺ νϴ ν, ڻ հɼ Ȳ ÷ ֱ Դϴ.
° ȸ ȯ濡 ΰմϴ. ū ϴ ջ ȸ ȯ濡 ũ ٲ ֽϴ. ڻ ڼͷ̳ ϴ ݿϴ ݸ ¿˴ϴ.
Ư ָؾ ǥ
ó ũ ⺻ ϴ ڻ ġ Ǵϴ ϸ, κ ֳθƮ 鵵 κ ϰ ֽϴ. ⺻ ִ äں ܿڻû ļ , õǴ ֽ ġ ¿ϹǷ Ϳ Ŭ ۿ ϴ. ֽĿ ϴ ڶ ͼ 㺸 ִ ˴ϴ. ̷ Ȯ ִ ǥ ڷᰡ BIS ڱں ( BIS) ͿźԴϴ. ǥ ؼ ڼ 캼 ʿ䰡 ֽϴ.( ǥ ü II. 롱 5. Ÿ ǻ ʿ Ȳ Ȯ ֽϴ.)
켱 BIS 캸 ϴ.
Ǿ ⺻ ڻ 5% ۿ ڱں ˴ϴ. ̴ ϴ ڻ꿡 5% ̻ ս ٸ Ҵɻ° Ͽ Ļ ִٴ ̱ մϴ. Ϲݱ ڻ Ը ũ ŷڵ鵵 پϱ Ļ ս Ϲݱ Ļ꺸 Ŭ ۿ ϴ. ڻ꿡 ̻ ڱں Ȯ ϸ Ļ갡ɼ Ŀ ȸ Ŀ ֽϴ.
ܼ ڻ ߿ ڱں Ѵٸ, ſ Ŀ հɼ ū ڻ հɼ ڻ ٸ ڻ꿡 ɼ ϴ. ̸ ϱ ڱں Ưڻ꿡 谡ġ ݿ 谡ڻ ܼ ڱں ڻ ѵ, ̸ BIS̶ մϴ.
( ڱں 1, ä 19 ġ 0.8 ұ 5 谡ġ 0.5 ô㺸 15 Ѵٸ, BIS 8.70%[=1/(0.8*5+0.5*15)]Դϴ.)
ڻ꺰 谡ġ (Bank for International Settlement) Ʋ Ǵµ, ̸ ̶ մϴ. ּ 8%̻ BIS 䱸ϰ ֽϴ.
ᱹ BIS Ȳ 繫 ó ִ Ÿ ǥμ ֽϴ.
BIS Ϸ (1)谡ġ ڻ꿡 øų (2)谡ġ ڻ Űϰų (3)ڸ ǽϿ ڱں øų (4)BIS ڱں Ǵ ļä(Ϲ äǺ ܿڻû ļ ä) ϴ Դϴ.
Ϳ(non performing loan : NPL) 캸 ϰڽϴ.
ڻ ڵ ſ ---ȸǹ-սǡ ϴµ, ռ ؼ ϴ.
|
з |
ռ |
Ҿſ
ռ |
εȹ
ռ |
|
ŷ, ſ 濵 ȣ ŷó 3 ̸ ü ϰ äȯɷ ŷó ѿ |
0.5% |
1% |
ش |
|
ü 3 ̻ 6 ̸ ̳ ȸ Ȯϴٰ ǴܵǴ |
2% |
7% |
2%~7% |
|
ŷ,ſµ 濵 ҷϿ ü ȸ ġ ʿ䰡 ִ ŷó ѿȸ شϴ |
20% |
ش |
30% |
ȸǹ |
з ŷó ѿž ս dz սǾ Ȯ ȸ ʰ |
75% |
75% |
75% |
ս |
з ŷó ѿž ȸҴ ȮϿ պó Ұ ȸ ʰ |
100% |
100% |
100% |
ó : ѱȣ б亸 ּ 2
⼭ ڻ, ȸ 3 ̻ üǰų ä ȭ ڼ ʴ Ϳ ϴ ڻ ǹǷ ̵ Ŀڻ̶ ϸ, üڻ Ϳڻ Ϳڻ̶ Ѵ.
Ϳڻ ϸ ɼ ڻ ϴٰ ִµ, Ϲ 籹 8% ǵ ϰ ִ.
캻 ڻ ǥ ߰ؼ 캸ƾ ǥ ڻԸ, , ֽϴ.
ڻԸ ߿ ڻԸ Ŭ پ ǰ ־ ִ Ŀ Դϴ.
ݴ ܾ ݼ ܾ ġ ſ Ѵٴ ǹԴϴ.
̰ Ŭ ͼ ٴ ǹϴµ, ͼ ٴ ڱݰ ȿ Ѵٴ , ϴٴ ֽϴ.
/츮ְ ַθ/ѱ
̻ ߾ 2(/츮) 2(ַθ/ѱ) мϵ ϰڽϴ. ̻ ڷ 2007 1 17 縦 õ ֱ б⺸ ϵ, Ϻ ڷ 糪 IRڷḦ ϿǷ Ȯ ֽϴ.
мǥ ( : /%)
|
|
츮 |
ַθ |
ѱ |
|
ڻ |
1,982,163 |
1,990,700 |
41,921 |
35,106 |
츮 IRڷῡ ִ ڻ , ڻڷῡ ȸа |
PBR |
1.71 |
1.34 |
0.86 |
0.76 |
|
ROE |
20.58% |
16.57% |
21.58% |
27.64% |
3б 4/3 ϰ, 1б̹Ƿ ̿ |
PER |
8.30% |
8.06% |
3.97% |
2.74% | |
BIS |
15.01% |
12.00% |
8.94%
(λ : 8.49%) |
8.67%
( : 9.53%) |
|
Ϳź |
1.08% |
1.00% |
3.99%
(λ : 5.82%) |
6.28%
( : 16.64%) |
|
|
97.41% |
105.00% |
98.61% |
88.99% |
|
|
6.40% |
6.74% |
15.71% |
9.30% |
|
|
2.89% |
3.51% |
5.22% |
4.31% |
ڱں 0% |
ǥ 캸 Ϲ ̰ Ȯ е˴ϴ. ܼ PER, PBR, ROE 캸 鿡 ؼ ó , ٸ ǥ 캸 ֽϴ. Ư Ϳź߿ Ϲ Ȯ ̰ , ȸ ɰϴٴ ֽϴ. ׳ ߿ ʿ췮 ֵǴ Ѵٸ ٸ ɰ ֽϴ. ó 캼 鵵 IJ 캸ƾ ڿ Ǽ ֽϴ.
ҽϴ..
츮ุ 100% ѳ..
ݰ ...
ġδ ˾ƺ ִ° ..?
̳.
̹..
, ֽ ^_^
μ谡 Ǵ±.
̸ ຸ
κ̴µ
̳... 10帳ϴ
ΰ Ǿϴ.
̳ ߴ ں Ӹ Ȯ
帮 ǥ Ȯ .
Ȥ Ⱑ ãƿ Ÿ ϰ Ǵ° per ΰ ϴ. κ ؼҵǷ Ⱑ ãƿ ٿ ϴµ 쿡 ް Ǵ κ ϸ ϴ.
ᱹ ڰ Ϸ Ⱑ ̸ ˾ ִ ɷ¹ ʿѰ ϴ.
DART ڶ ⺻. ^^
ý(http://fisis.fss.or.kr)
ȸ 濵 մϴ.
ֿ濵ǥ Ͽź, Ͻø ϴ.
URL : http://fisis.fss.or.kr
⺻
Ǵϱ.. װ ȸϷ ͷ ÷ߵǴµ
װ . ߵǴ ִ
帳ϴ. Ź Žɻ Ȯ źϰ ֳ 濵κ ߱ ź ̶ ±. Ͻ BIS ߱ ļä кϰ ϴ ƺ ʽϴ.
帳ϴ.