Professional Documents
Culture Documents
Hana FG.2Q11 Presentation Eng
Hana FG.2Q11 Presentation Eng
Contents
2Q11 Financial Highlights
Profitability
Total Lending & Funding
Asset Quality & Capital Adequacy
Appendix
YoY
+ 177.3%
483
379
K-IFRS
: 200
Unit: Wbn
Quarterly NIM
2.31%
2.26%
2.24%
6.5
2.24%
2.10%
483
1Q10
1Q11
-8.8
K-GAAP
K-IFRS
2Q10
2Q11
2Q11
Bank
2Q10
3Q10
0.65%
0.72%
0.61%
1Q11
4Q10
1Q11
1.50%
0.36%
1Q11
2Q11
-3.9
-12.2
-23.3
2Q11
Bank
NPL Formations
1.57%
1.37%
0.52%
2Q11
K-IFRS
Unit: Wbn
1.22%
0.58%
559
396
0.70%
0.57%
K-IFRS
K-GAAP
3Q10
4Q10
0.42%
0.55%
4Q10
Delinquency
1.45%
0.66%
3Q10
-10.1
K-IFRS
NPL
0.76%
2Q10
K-GAAP
Bank
Credit Cost
Group
2Q10
K-GAAP
174
K-IFRS
0.54%
K-GAAP
2Q10
3Q10
261
0.60%
0.49%
K-IFRS
4Q10
1Q11
2Q11
K-GAAP
2Q10
3Q10
208
113
K-IFRS
4Q10
1Q11
2Q11
Profitability
Group Consolidated Earnings
Business Results of Subsidiaries
NIM
Non Interest Income / SG&A Expense
Hana SK Card
1Q11
K-IFRS
Gen. Op Income
Int. Income
Unit: Wbn
1H11
1H10
K-IFRS
K-GAAP
1,276
1,153
2,429
1,959
800
760
1,560
1,399
693
Fee Income
250
227
477
432
Disposition
/ Valuation
268
166
434
209
Other Income
-42
-41
-82
506
460
966
866
SG&A (-)
PPOP
Provision (-)
Operating
Income
Net Income
Unit: Wbn
671
757
860
899
932
968
2Q
3Q
4Q
1Q10
2Q
1,050
892
K-GAAP
1Q09
987
3Q
4Q
K-IFRS
1Q11 2Q11
770
87
693
172
1,463
259
QoQ
Int. Income
NIM +7bp
Fee Income
Disp. / Val.
Other Income
SG&A
Provision
1,093
434
683
520
1,204
658
483
379
862
475
Main Factors
1Q11
K-IFRS
Hana Bank
476.9
Unit: Wbn
1H11
K-IFRS K-GAAP
394.7
871.6
1H10
450.3
%
100.0%
6.2
3.5
9.7
6.5
100.0%
PT Bank Hana
1.3
0.5
1.8
1.2
75.1%
Hana Daetoo
Securities
33.2
Hana Capital
12.4
10.7
23.1
15.8
50.1%
Hana SK Card
6.5
-3.9
2.7
-23.4
51.0%
2.5
1.3
3.7
5.3
58.0%
0.3
0.3
0.3
100.0%
0.1
-0.4
-0.3
0.0
100.0%
57.4
114.5
[Brokerage_Stock Volume]
: Wtn
Unit: Wbn
24.3
100.0%
QoQ
+ 29.3%
YoY
+ 20.9%
3,525
1,574
1,728
2Q10 3Q
4,559
34.5
1,933
4Q 1Q11
2Q
2Q10
41.7
2Q11
Hana SK Card
Hana Institute of
Finance
Hana INS
Consolidated
Adjustment
-56.5
-52.0
-108.4
-95.8
Group Consolidated
Net Income
482.6
379.0
861.6
474.7
Unit: Wbn
70.4
29.1
32.2
47.9
61.7
K-GAAP
2Q10
3Q10
K-IFRS
4Q10
1Q11
2Q11
6
NIM
Group Quarterly NIM & Interest Income
K-GAAP NIM
Unit: Wbn
Interest Income
K-IFRS NIM
NIM Factors
2Q10
3Q10
4Q10
1Q11
K-GAAP
K-IFRS
2.31%
2.26%
2.24%
2.24%
2.10%
715
2Q11
CD(3M)
2.47%
2.62%
2.73%
3.14%
3.46%
Debentur
es (1Y)
3.13%
3.38%
3.17%
3.67%
3.73%
Lending
Rate
5.49%
5.21%
5.29%
5.30%
5.50%
Funding
Rate
3.34%
3.20%
3.16%
3.17%
3.29%
Mkt
728
800
760
684
NIS
K-GAAP
2Q10
3Q10
K-IFRS
4Q10
1Q11
2Q11
K-IFRS NIM
Unit: Wbn
Interest Income
1.99%
1.98%
1.93%
1.92%
5.34%
1.82%
199bp
672
657
632
3Q10
5.62%
5.54%
187bp
189bp
219bp
706
683
3.14%
K-GAAP
2Q10
3.66%
3.74%
1Q11
2Q11
3.25%
K-IFRS
4Q10
1Q11
3Q10
2Q11
1)
4Q10
Time Deposit + CD
2Q11
1Q11
K-IFRS
Fee Income
1H11
1H10
K-IFRS
K-GAAP
249.9
226.9
476.8
432.2
Credit Card
Beneficiary Certificate
Sales
Brokerage
81.8
68.1
150.0
140.4
36.5
36.8
73.3
81.4
45.0
44.4
89.4
74.3
FX
13.1
13.8
26.9
25.2
Bancassurance
22.4
20.7
43.1
29.9
Other
51.1
43.1
94.1
81.0
Disposition / Val.
268.1
165.6
433.7
208.7
Other Income
-41.9
0.6
-41.3
-81.7
Total
476.0
393.1
869.1
559.2
393
271
231
192
K-GAAP
2Q10
3Q10
Unit: Wbn
2Q11
1Q11
K-IFRS
213.9
188.8
1H11
1H10
K-IFRS
K-GAAP
402.7
K-IFRS
4Q10
1Q11
47.2%
46.3%
SG&A Expense
46.7%
39.9%
350.6
14.1
24.4
38.5
33.3
217.5
185.7
403.2
352.5
60.4
61.3
121.7
129.5
505.8
460.3
966.1
866.0
2Q11
SG&A Expense
476
446
445
481
3Q10
4Q10
39.8%
506
460
K-GAAP
2Q10
Unit: Wbn
1Q11
K-IFRS
2Q11
8
Hana SK Card
Net Income
Sales
Unit: Wbn
Unit: Wbn
QoQ
+ 13.1%
6.5
1Q10
2Q10
3Q10
K-GAAP
-8.8
4Q10
-10.1
1Q11
2Q11
K-IFRS
7,492
-3.9
-12.2
-23.3
4,629
2Q10
5,301
3Q10
6,488
4Q10
6,627
1Q11
Unit: Thousand
QoQ
+ 3.3%
QoQ
+12.1 %
315
4,408
3,905
2Q10
4,045
3Q10
4,147
4,267
1Q11
281
273
248
4Q10
2Q11
2Q11
2Q10
237
3Q10
4Q10
1Q11
2Q11
10
%
K-IFRS
1Q 2011
4Q 2010
K-IFRS
K-GAAP
9,772
5.7%
10,365
8,688
27,720
16.2%
28,659
28,255
119,300
69.5%
115,481
110,848
KRW Loans
95,354
55.6%
94,442
91,627
Tangible Assets
1,435
0.8%
1,476
1,295
Other Assets
13,388
7.8%
12,124
9,440
Total Assets
171,615
100.0%
168,105
158,525
Securities
Loans
Unit: Wbn
%
K-IFRS
1Q 2011
4Q 2011
K-IFRS
K-GAAP
Deposits
97,448
56.8%
94,008
96,397
Borrowings
40,533
23.6%
38,842
36,837
Borrowings
9,092
5.3%
9,023
7,653
Debentures
25,530
14.9%
23,283
21,019
5,911
3.4%
6,536
5,353
18,776
10.9%
20,712
13,919
156,758
91.3%
153,562
147,154
14,856
8.7%
14,543
11,371
171,615
Unit: Wtn
158
162
168
100.0%
168,105
158,525
2Q10
3Q10
172
159
K-GAAP
K-IFRS
4Q10
1Q11
2Q11
10.8
11.2
11.4
14.5
14.9
1Q11
K-IFRS
2Q11
K-GAAP
2Q10
3Q10
4Q10
11
%
K-IFRS
Corporate
1Q 2011
4Q 2010
K-IFRS
K-GAAP
41,406
44.6%
41,482
39,582
Large. Corp
11,471
12.4%
11,694
10,229
SME
29,935
32.3%
29,788
29,353
(SOHO)
9,513
10.3%
9,354
9,260
Household
49,911
53.8%
49,082
48,746
Secured
40,241
43.4%
39,605
39,083
(Mortgage)
29,662
32.0%
29,450
29,251
Unsecured
9,670
10.4%
9,477
9,663
1,467
1.6%
1,455
1,250
92,784
100.0%
92,020
89,578
Total
Unit: Wtn
+1.2
89.6
1Q 2011
4Q 2010
K-IFRS
K-GAAP
Core Deposits
MMDA
28.2%
26.4%
26.0%
26.1%
90,835
87,567
12,556
13.4%
12,646
11,675
MMDA
13,959
14.9%
13,712
11,934
23.4
Time Deposits
59,668
63.7%
59,234
54,161
11.4
11.8
Demand Deposits
2,803
3.0%
2,859
3,854
CD
2,019
2.2%
2,384
5,943
12.0
12.3
2,723
2.9%
2,604
3,294
93,728
100.0%
93,439
90,861
Total
92.8
1H11
2010
97.1%
FC Deposits
+0.6
+0.2
Public
SME
&
Others
Large
Household
Corp
91,005
Core Deposits
+1.2
2Q 2011
Unit: Wtn
28.3%
26.5
26.3
12.5
24.1
23.6
12.6
11.7
11.9
13.7
K-GAAP
2Q10
3Q10
4Q10
1Q11
14.0
K-IFRS
2Q11
12
Asset Quality
& Capital Adequacy
Group Asset Quality
Bank Asset Quality
Provision
Capital Adequacy
13
2Q 2011
3Q 2011
K-IFRS
4Q 2010
NPL
K-GAAP
3.38%
Total Credits
Normal
Precautionary
123,965
120,410
116,585
120,867
116,889
112,980
1,480
1,536
1,728
Substandard
994
1,281
1,281
Doubtful
431
473
403
Estimated Loss
193
231
194
1,618
1,986
1,878
1.31%
1.65%
1.61%
118.0%
104.4%
106.5%
1,909
2,073
2,000
1,182
1,385
2,000
727
688
NPL Amount
NPL %
3.13%
1.42%
1.51%
3.10%
1.61%
2.92%
2.50%
1.65%
1.31%
K-GAAP
2Q10
3Q10
4Q10
K-IFRS
1Q11
2Q11
118.0%
112.4%
NPL Coverage %
Loan Loss
Allowance
LLR
Bad Debt
Reserves
106.9%
106.5%
104.4%
K-GAAP
2Q10
3Q10
K-IFRS
4Q10
1Q11
2Q11
14
2Q 2011
1Q 2011
K-IFRS
Total Credits
111,889
4Q 2010
NPL
K-GAAP
110,410
108,590
Coverage Ratio
111.4%
106.1%
118.1%
106.2%
103.0%
Normal
Precautionary
109,185
107,295
105,359
1,338
1,382
1,607
1.57%
1.45%
1.37%
Substandard
917
1,193
1,186
Doubtful
294
346
278
Estimated Loss
154
195
160
1,366
1,733
1,624
1.22%
1.57%
1.50%
118.1%
103.0%
106.2%
NPL Amount
NPL %
1.50%
1.22%
K-GAAP
2Q10
3Q10
4Q10
K-IFRS
1Q11
2Q11
Delinquency Trend
Corp.
Total
Household
1.02%
0.76%
0.76%
0.87%
0.70%
NPL Coverage
Loan Loss
Allowance
LLR
Bad Debt
Reserves
1,613
907
706
1,785
1,112
673
1,725
0.54%
0.61%
0.49%
0.36%
0.33%
0.29%
0.31%
0.36%
2Q10
K-GAAP
3Q10
4Q10
1Q11
K-IFRS
2Q11
1,725
-
0.60%
0.57%
15
Provision
2Q11 Group Provision Overview
Credit Cost
0.76%
Unit: Wbn
Provision
Unit: Wbn
0.66%
0.65%
0.57%
0.42%
559
267
132
194
3Q10
208
4Q10
1Q11
2Q11
K-GAAP
2Q10
Unit: Wbn
2Q10
(Wbn)
0.52%
0.36%
252
104
105
143
58
K-GAAP
2Q10
3Q10
K-IFRS
4Q10
4Q10
1Q11
2Q11
0.72%
0.55%
K-IFRS
3Q10
Provision
0.61%
113
K-IFRS
261
87
K-GAAP
2Q10
396
172
1Q11
2Q11
3Q10
4Q10
1Q11
K-GAAP
2Q11
K-IFRS
Total
80.1
349.1
186.8
99.1
514.4
Writeoffs
78.3
61.5
71.3
99.1
204.2
Loan
Sales
1.8
287.6
115.5
310.2
16
Capital Adequacy
Group Capital Adequacy Ratios
13.71%(E)
15.33%
15.73%
13.43%
BIS Ratio
14.04%
12.38%
12.00%
14.12%(E)
11.81%
13.84%
12.54%
11.96%
10.71%
10.36%(E)
Tier1 Ratio
9.15%
8.65%
10.28%(E)
10.11%
10.05%
8.63%
16,265
16,746
Unit: Wbn
14,305
14,408
3,925
3,853
3,759
10,152
10,452
10,648
14,077
4,016
2,612
12,250
K-GAAP
2Q10
Tier I
Tier II
4,098
11,877
12,648
9,265
K-IFRS
3Q10
4Q10
1Q11
2Q11
11,899
2,412
9,487
11,487
10,408
11,012
2,467
3,017
7,942
7,995
K-GAAP
2Q10
Tier I
3Q10
3,125
8,362
K-IFRS
4Q10
1Q11
2Q11
Tier II
17
Appendix
Group Major Indices
PF Real Estate
Dividend Overview
18
2Q11
1H11
2010
K-IFRS
1H10
K-GAAP
ROA
1.19%
1.09%
0.64%
0.62%
ROE
14.13%
(16.04%)1
13.35%
(14.57%)1
9.95%
9.71%
EPS(KRW)
1,982
3,681
4,829
2,268
BPS(KRW)
56,234
56,234
50,996
48,039
39.7%
39.8%
46.7%
44.2%
C/I Ratio
(Annualized)
19
PF Real Estate
PF Exposure
Coverage Ratio
Unit: Wbn
Provision
90.2%
93.56%
70.81%
54.57%
51.29%
2,662
2Q10
2,578
3Q10
200
2,569
4Q10
2,551
1Q11
2,178
79
2Q11
2Q10
123
135
3Q10
4Q10
NPL
NPL Ratio
8.74%
1Q11
Unit: Wbn
Delinquency Ratio
11.07%
225
263
3Q10
85
58
84
2Q10
0.86%
283
1.16%
1.11%
3.20%
Unit: Wbn
Delinquency Amount
3.31%
2.25%
3.17%
2Q11
Delinquency
NPL Amount
10.24%
63
4Q10
1Q11
70
23
29
2Q11
2Q10
3Q10
25
4Q10
1Q11
2Q11
20
Dividend Overview
2006
Interim
Dividend per share (KRW)
Dividend Amt (Total)
Net Income (Cumulative)
Payout Ratio (Total)
Payout Ratio
2007
Year End
350
550
188.7 Wbn
Interim
Year End
500
800
Interim
1,298.1 Wbn
18.4%
21.2%
2009
Year End
100
275.4 Wbn
1.026.7 Wbn
Net Income
2008
100
2010
Interim
Year End
400
Interim
Year End
300
400
42.0 Wbn
83.7 Wbn
146.5 Wbn
483.4 Wbn
306.3 Wbn
1,010.8 Wbn
8.7%
27.3%
14.5%
Unit: Wbn
18.4%
14.5%
8.7%
1,298
1,027
1,011
483
306
275
189
147
84
42
2006
2007
2008
2009
2010
21