Slait Switching Internet Professional Bank, The second leap 'Test' - Internet

After Cacao Bank, Kay Bank also succeeded in turning on the surplus, and the new turning point was tailored. In particular, Internet banks are evaluating that they have a basic profit structure.

As a result, it is interested in the industry's interest in the existing banks of the Internet specialist banks, and that they could grow on a retail (retail) financial market.

Cavank, Four years ... Cacao Bank 1 Years 8 months ago Switch Branches Salms

The Internet Professional Bank, Cay Bank and Cacao Bank have been successful in the four years since the government has established the establishment.

First, it was a Cacao Bank to enter a surplus. Cacao Bank has been the first surplus of W6.5666 million won in net profit for the first quarter of 2019. Establishment is only eight months.

KBANK succeeded in the first surplus while the net profit of W3.9bn (Sleep) (Sleep, Cacao Bank is a two-year-old 20 years old. It was achieved in four years in April 2017 'No.1 Internet Professional Bank'.

The two banks' surplus switching is more interested in that it is based on the revenue portfolio. First of all, they succeeded in establishing a certain amount of loan capacity to increase basic core profits. Here, we have a profit base while attracting new commission profits specialized in mobile professional banks.

Recently, due to the revenue of interest and government loans, commission revenue is important than interest revenue. At this point, the two Internet professional banks have been successful in the increase in commission revenue.

In the case of KBank, the number of non-interest profits was 9.5 billion won this year. Last year, the same period of W5.2bn, 263.5% (13.7 billion won) increased. In the case of Cacao Bank, we have earned 4.1 billion won for the 3Q09 (1Q111).

In the case of K-Bank, the Virtual Assets Exchange Exchange Exchange Account Service (Phamworking Fee) and Second Fine Revenue Loan. Cacao Bank is receiving a commission for business such as the stock account opening agency and linkage loans.

Mortgage Bank "Government Loan Regulations + Retail Product Lineup Message"

However, the reaction of existing banks is cold. 'It is time to make a cool evaluation of the achievement.' It is possible to pay net profit even if the loan balance is about 10 trillion won, and in the case of KBank, it was special for the virtual asset exchange virtual account.

The market banks also report that the government has regulated household loans, so that Internet professional banks are difficult to raise interest income.

The two banks are simple to the loan portfolio compared to existing banks. Credit loans and minus loans, and chartered payment loans are consistent.

"The size of the Retail Market Cabank and Cacao Bank is very small," The core of the bank sales is a revenue from the loan, and the current banking of the two banks. "I explained.

As of the end of July, KB Kookmin Bank's household loan balance is 166,259 billion won. The Cavank goddess is 5 trillion won, and the credit balance of Kakao Bank is 23 trillion won.

Internet Special Silver "Platform Effect and Diversification of Products"

Considering that there is no cost for network effects and point maintaining the Internet professional banking industry, the growth potential was great.

Cacao Bank emphasizes the eco system of the cacao community, and KBank has announced that the CABANCH will be able to jump through collaboration with the largest shareholder KT and customers.

The retail product diversification also predicted. Cay Bank is a plan to launch a tax lending product in the third quarter, and Cacao Bank is also planning to introduce loans such as Auto Roh (automobile loans) and mortgage loans.

Internet professional banking officials said, "We are promoting customer convenience and customer experience in mobile banking apps to maintain the cost of keeping the point that the customer is rarely found," said the Internet is "to expose existing banks to become a platform, but the number of monthly active users Because it is less than the bank, the Internet professional bank can be large, "which is the larger for the Internet."