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GROWTH

Growth Strategy

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Operation Strategy

A Strategy to Increase Revenue and Profit will be Implemented Using Opportunities Provided Under Business Environment or Daebu Industry

Business Environment of Daebu Industry

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    01 Trend of Growth

    Growth Continues in Daebu Industry Maintain Stability with Soundness of Loan Assets

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    02 Enhance Profitability

    Interest Rate : 24.0%
    (Maximum Rate allowed by law)

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    03 Loan Assets Market

    Opportunity always exists to buy loan assets from daebu companies owned by Mutual Savings Bank Group.

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    04 Better Opportunities for Funding Source

    Diversified Funding Source(Issue of CP), Funding Cost Reduced

  • Enhance Funding Capability, Decrease Funding Cost
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    Fund raising in big amount from strategic foreign investors.

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    Good relationship with current shareholders, efforts to reduce funding cost

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    Funding cost will be reduced substantially through issue of CP when total loan assets reach KRW 300 Bio.
  • Loan Assets Increase Strategy
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    Purchase of prime loan assets from large daebu companies(P&A)

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    Acquire prime small & medium sized daebu companies(M&A)
  • Improve Profitability
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    Reduce operating expenses and agency fees through scale of economy.

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    Reduce funding cost and expenses through stronger financial position including scale of economy.
  • Upgrade Organization and Business Structure
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    Vertical integration of subsidiaries to improve organization structure and consult with external specialist.

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    Diversify agency channel through scale of economy.