Business Model based on Growth, Stability, Soundness and Specialty
Growth01 Loan Balance Continues to IncreaseLoan Balance : KRW 147.6 Bio.(as at Mar. 31, 2019)
Loan book size: +245% vs December 31, 2014.
Continuous purchase of loan assets in good quality.
Stability02 Diversified Loan Portfolio/ Focusing on secured loan by real estateSecured loan by a 3rd party guarantor 37.6%, secured loan by real estate or vehicle 36.5%
75.2% of total loans have a maturity of one year+.
Small amount loans(Average : KRW 3.33Mio. Number of Accounts : 27,807)
Soundness03 Soundness of AssetsDelinquent ratio : 5.9% (delinquent for 31 days+) as at March 31, 2019.
Secured loans by a 3rd party guarantor or real estate. Strong collection team with experience of 10 years +.
Specialty04 Professional Loan SystemWell-performing agencies are used for client finding
Standardized and systematic credit review system is in place