icon All menu
BUSINESS

Business Overview

icon
Business Overview

Business Model based on Growth, Stability, Soundness and Specialty

  • icon
    Growth
    01 Loan Balance Continues to Increase
    +
    Loan 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.
    img
  • icon
    Stability
    02 Diversified Loan Portfolio/ Focusing on secured loan by real estate
    +
    Secured 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)
    img
  • icon
    Soundness
    03 Soundness of Assets
    +
    Delinquent 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 +.
    img
  • icon
    Specialty
    04 Professional Loan System
    +
    Well-performing agencies are used for client finding

    +
    Standardized and systematic credit review system is in place
    img