[금융경제학] 한국의 은행들과 한국은행의 문제의 수입구조(영문)
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- 2009.05.25 / 2019.12.24
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추천 연관자료
- 목차
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Ⅰ. The earning structure of Korean banks and problem
Ⅱ. Earning structure of non-Korean banks
1. HSBC plc (Refer to < reference material 1>)
1) Net Interest income of HSBC
2) Non-interest income of HSBC
2. J.P Morgan Chase & Co (Refer to <reference material 2>)
3. Barclays plc(Refer to <reference material 3>)
1) Net Interest income of BARCLAYS
2) Non-interest income of BARCLAYS
4. Kook-Min Bank
1) Interest income of Kook-Min Bank
2) Non-interest income of Kook-Min Bank
Ⅲ. Problems and constraints of Korean banks and how to improve
- 본문내용
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The earning structure of non-Korean banks and the Korean banks' problem
Ⅰ. The earning structure of Korean banks and problem
After financial crisis Korean banks have made many changes to clear off their unreliability by M&A and restructuring. Now Korean banks are about to face with new rule, which called Capital Market Consolidation Act, This rule might change the whole financial system of Korea and there’re many non-Korean banks in Korea. Korean banks have to compete with them. But Korean banks have serious problem with their earning structure. While advanced foreign banks increase their incomes from the noninterest sector, the domestic bank still depends on interest income excessively. Under globalized market, Korean banks can’t help but fall behind if they fail to improve their earning structure. So we’re going to find out the problem of Korean banks and their earning structure by comparing with non-Korean banks and, we will find out how Korean banks can be the real global bank.
Ⅱ. Earning structure of non-Korean banks
1. HSBC plc (Refer to < reference material 1>)
The HSBC is one of the largest banks in the world and it’s selected as the best global company in the world 2008 by the Forbes1).
1) Net Interest income of HSBC
HSBC’s net interest income on 2007 is 3,854 million pounds2) and, in takes 37 percent of their total operation income. On 2003, it took 50 percent of their total operation income. Interest income declines about 10 percent.
2) Non-interest income of HSBC
2007, Non-interest income takes about three quarters of their total operation income. Trading income and fee income are two main parts of non-interest income. The sum of noninterest income amounted to 10,620 million pounds. That is nearly 3 times the net interest income
2. J.P Morgan Chase & Co (Refer to <reference material 2>)
J.P Morgan Chase & Co(J.P Morgan) came into the world by the merger between ‘Chase Manhattan Corporation’ and ‘J.P Morgan & Co. Incorporated’ 8 years ago. J.P Morgan currently has several business sectors; Investment bank, Retail financial services, Card services, Commercial banking, Treasury & Securities services, Asset ma
- 참고문헌
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Barclays, 2007 Annual Report, p. 57
Chon Sang-Jun, 『An Introduction To Global Investment Banking』(Seoul: Academy publishing company, 2003), p. 486
Forbes, The World’s Biggest Companies, 2008
HSBC Bank plc, Annual Report and Accounts, 2007, p. 30
J.P Morgan Chase Co, 2007 Annual Report, p. 182
Kook-Min bank, Profitability Overview,(2007), p. 60
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