2. 1
Disclaimer
This presentation material is being presented to you solely for your information only and may not be taken away by you and may not be
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and have not been independently verified. No representations or warranties, express or implied, are made as to, and no reliance should be
placed on, the accuracy, fairness or completeness of the information presented or contained in this presentation. Neither the Companies nor
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presented or contained in this presentation. The information presented or contained in this presentation is current as of the date hereof and is
subject to change without notice and its accuracy is not guaranteed. Neither the Companies nor any of their affiliates, advisers or
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identified by the use of forward-looking terminology such as
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that could cause actual results to differ materially from those described in the forward-looking statements. Caution should be taken with
respect to such statements and you should not place undue reliance on any such forward-looking statements.
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solely on the basis of the information contained in the offering document which may be published or distributed in due course in connection
with any offering of shares of the Companies, if any.
3. 2
경쟁심화에도 불구하고, 채널전략 변화, 상품 차별화 등으로 시장 지배적 지위 유지
취급액 확대 및 안정적 비용관리 등으로 손익 Turn around
지속적인 리스크 관리 결과 업계 최고 수준의 자산건전성 유지
Overview
9. 8
1,346 1,405 1,500
1,687
45.2% 48.8% 44.5% 41.3%
2012 2013 2014 1H15
단기차입금 단기차입금 Coverage
283 281 262 291
325
405 405 405
608
686 667 696
2012 2013 2014 1H15
현금 Credit line
유동성
유동성 보유현황 단기차입금 Coverage
Contingency framework 운영
• 위기감지 후 신속한 의사결정 및 대응 시스템 구축
• 주요 시장 지표 일일 모니터링 실시
(단위: 십억원) (단위: 십억원)
유동성 관리 방안
• 바젤 III의 Liquidity coverage ratio 기준 충족
• Credit line 제공 기관 및 만기 다변화