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Key Financial Ratio

Key Financial Ratio
Key Financial Ratio FY15 FY16 FY17 FY18 FY19
ROE(%) 5.8 3.03 6.43 9.12 6.51
EPS(KRW) 276 147 332 493 380
BPS(KRW) 4,657 4,876 5,174 5,789 5,947
Liability-Asset Ratio 112.74 110.51 110.42 111.70 112.08

※ As of Dec 2019

Capital Adequacy Ratio

(Unit : million KRW, %)
Capital Adequacy Ratio
type FY15 FY16 FY17 FY18 FY19
Net capital loan for business (A) 641,872 798,154 842,233 939,083 1,003,068
Total risk amount (B) 148,229 192,596 232,359 265,205 307,997
Surplus capital (C=A-B) 493,643 605,558 609,874 673,878 695,071
Necessary capital (D) - 134,400 134,400 134,400 134,225
Net capital ratio (A/B) 433.03 - - - -
Revised NCR (C/D) - 450.56 453.78 501.40 517.84

※ Note) Imposed Revised NCR since 2016.

Liability-Asset Ratio

(Unit : million KRW, %)
Liability-Asset Ratio
type FY15 FY16 FY17 FY18 FY19
Real Asset 8,941,183 10,072,782 11,174,206 11,338,281 11,688,380
Real Liability 7,930,595 9,114,436 10,119,274 10,150,960 10,428,442
Liability-Asset Ratio 112.74 110.51 110.42 111.70 112.08