4대 카드사 상반기 당기순익 약 1조, 4.2%↑…연체율 개선 | 연합뉴스
Four major card companies' operating profit in the first half of the year increased by about 1 trillion won, or 4.2%. ... Delinquency rate improved. | Yonhap News
Keuntungan bersih empat perusahaan kartu kredit utama di paruh pertama tahun ini sekitar 1 triliun won, naik 4,2%... Tingkat kepatuhan meningkat | Yonhap News
2023년 상반기, 삼성, 신한, KB국민, 현대카드 4대 카드사의 당기순이익은 9천680억원으로 작년 동기 대비 4.2% 증가했습니다. 이는 연체율 개선과 비용 관리 효과 등이 반영된 결과입니다. 특히 신한카드는 법인 시장 공략과 해외법인 실적 증대로 수익성을 강화했고, KB국민카드는 카드 이용 금액 증가와 대손충당금 감소 덕분에 큰 성장세를 보였습니다. 현대카드는 라이프스타일 상품 경쟁력 강화와 결제 편의성 개선으로 회원 수 증가를 이끌었습니다. 하지만, 경기 침체 시 연체율 상승 가능성을 고려해야 할 필요가 있습니다.
In the first half of 2023, the four major card companies - Samsung, Shinhan, KB Kookmin, and Hyundai Card - recorded a net income of 968 billion won, a 4.2% increase compared to the same period last year. This result reflects improvements in delinquency rates and cost management efficiency. Notably, Shinhan Card strengthened its profitability through corporate market penetration and improved performance from overseas subsidiaries. KB Kookmin Card achieved significant growth due to an increase in card usage amount and a decrease in allowance for doubtful accounts. Hyundai Card led to an increase in membership by enhancing the competitiveness of lifestyle products and improving payment convenience. However, it is necessary to consider the possibility of an increase in delinquency rates in case of an economic recession.
Pada semester pertama tahun 2023, laba bersih empat perusahaan kartu kredit utama yaitu Samsung, Shinhan, KB Kookmin, dan Hyundai Card mencapai 9.680 miliar won, meningkat 4,2% dibandingkan periode yang sama tahun lalu. Hal ini merupakan hasil dari perbaikan rasio kredit macet dan efektivitas pengelolaan biaya. Secara khusus, Shinhan Card memperkuat profitabilitasnya melalui penetrasi pasar korporat dan peningkatan kinerja afiliasi luar negeri. KB Kookmin Card mencatat pertumbuhan signifikan berkat peningkatan jumlah transaksi kartu dan penurunan alokasi dana cadangan kerugian. Hyundai Card meningkatkan jumlah anggota melalui penguatan daya saing produk gaya hidup dan peningkatan kemudahan pembayaran. Namun, perlu dipertimbangkan kemungkinan meningkatnya rasio kredit macet jika terjadi perlambatan ekonomi.
