Woori Finance Holdings Co. Ltd. Fundamental Company Report Including Financial, SWOT, Competitors and Industry Analysis
- The report contains detailed information about Woori Finance Holdings Co. Ltd. that gives an unrivalled in-depth knowledge about internal business-environment of the company: data about the owners, senior executives, locations, subsidiaries, markets, products, and company history.
- Another part of the report is a SWOT-analysis carried out for Woori Finance Holdings Co. Ltd.. It involves specifying the objective of the company's business and identifies the different factors that are favorable and unfavorable to achieving that objective. SWOT-analysis helps to understand company’s strengths, weaknesses, opportunities, and possible threats against it.
- The Woori Finance Holdings Co. Ltd. financial analysis covers the income statement and ratio trend-charts with balance sheets and cash flows presented on an annual and quarterly basis. The report outlines the main financial ratios pertaining to profitability, margin analysis, asset turnover, credit ratios, and company’s long-term solvency. This sort of company's information will assist and strengthen your company’s decision-making processes.
- In the part that describes Woori Finance Holdings Co. Ltd. competitors and the industry in whole, the information about company's financial ratios is compared to those of its competitors and to the industry. The unique analysis of the market and company’s competitors along with detailed information about the internal and external factors affecting the relevant industry will help to manage your business environment. Your company’s business and sales activities will be boosted by gaining an insight into your competitors’ businesses.
- Also the report provides relevant news, an analysis of PR-activity, and stock price movements. The latter are correlated with pertinent news and press releases, and annual and quarterly forecasts are given by a variety of experts and market research firms. Such information creates your awareness about principal trends of Woori Finance Holdings Co. Ltd. business.
About Woori Finance Holdings Co. Ltd.
Woori Finance Holdings Co., Ltd., through its subsidiaries, engages in a range of businesses, including commercial banking, credit cards, capital markets activities, international banking, asset management, and bancassurance. The company provides a range of products and services to its customers, which mainly include individuals and small- and medium-sized enterprises.
Corporate Banking
The company provides commercial banking services to large corporate customers, including government-owned enterprises; and small- and medium-sized enterprises in Korea. Its corporate banking operations consist mainly of lending to and taking deposits from its corporate customers. The company also provides ancillary services. It provides its corporate banking services through Woori Bank.
Corporate loans the company provides consist principally of the following: working capital loans, which are loans used for general working capital purposes, typically with a maturity of one year or less, including notes discounted and trade finance; and facilities loans, which are loans to finance the purchase of materials, equipment and facilities, typically with a maturity of approximately three years.
On the deposit-taking side, the company offers its corporate customers various types of corporate deposit products. It also offers installment deposits, certificates of deposit, and repurchase instruments. It offers varying interest rates on its deposit products depending upon the rate of return on its income-earning assets, average funding costs and interest rates offered by other nationwide commercial banks.
Small- and Medium-Sized Enterprise Banking
The company services its small- and medium-sized enterprise customers primarily through Woori Banks network of branches and small and medium-sized enterprise relationship professionals, as well as through the branches and headquarters of Kyongnam Bank and Kwangju Bank. As of December 31, 2008, Woori Bank had stationed one or more relationship professionals at 677 branches, of which 352 were located in the Seoul metropolitan area. The relationship professionals focuses on servicing the banking needs of small and medium-sized enterprise customers and concentrate their marketing efforts on developing new customers in this segment. As of December 31, 2008, Woori Bank had a total of 762 small- and medium-sized enterprise relationship professionals stationed at its branches.
Lending Activities: The company provides both working capital loans and facilities loans to its small- and medium-sized enterprise customers. As of December 31, 2008, the company had approximately 220,509 small and medium-sized enterprise borrowers.
Large Corporate Banking
The company services its large corporate customers primarily through Woori Banks network of corporate marketing centers and relationship managers. Woori Bank operates 13 corporate marketing centers, 12 of which are located in the Seoul metropolitan area. As of December 31, 2008, Woori Bank had a total of 94 relationship managers who focus on marketing to and managing the accounts of large corporate customers.
Lending Activities: The company provides both working capital loans and facilities loans to its large corporate customers.
Consumer Banking
The company provides retail banking services to consumers in Korea. Its consumer banking operations consist mainly of lending to and taking deposits from its retail customers. It also provides ancillary services on a fee basis, such as wire transfers. It provides its consumer banking services primarily through Woori Bank, although it services a significant portion of its regional retail banking customers through Kyongnam Bank and Kwangju Bank.
Woori Bank classifies its consumer banking customers based on their individual net worth and contribution to its consumer banking operations, into four groups: high net worth; mass affluent; middle class; and mass market.
Lending Activities: The company offers various consumer loan products to households and individuals. Its consumer loans consist of: general purpose household loans, which are loans made to customers for any purpose (other than mortga
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RESEARCH METHODOLOGY
DISCLAIMER
1. WOORI FINANCE HOLDINGS CO. LTD. COMPANY PROFILE
1.1. Key facts
1.2. Financial Performance
1.3. Key Executives
1.4. Ownership and Major Holders
1.5. Company History
2. WOORI FINANCE HOLDINGS CO. LTD. BUSINESS OVERVIEW
2.1. Business Description
2.2. Major Products and Services
2.3. Markets and Sales Activities
2.4. Locations, Subsidiaries, Operating Units
3. WOORI FINANCE HOLDINGS CO. LTD. SWOT ANALYSIS
3.1. Overview
3.2. Strengths
3.3. Weaknesses
3.4. Opportunities
3.5. Threats
4. WOORI FINANCE HOLDINGS CO. LTD. FINANCIAL ANALYSIS
4.1. Financial Statements
4.1.1. Income Statement
4.1.2. Balance Sheet
4.1.3. Cash Flow
4.2. Financial Ratios
4.2.1. Profitability
4.2.2. Margin Analysis
4.2.3. Asset Turnover
4.2.4. Credit Ratios
4.2.5. Long-Term Solvency
4.2.6. Growth Over Prior Year
4.2.7. Financial Ratios Charts
4.3. Stock Market Snapshot
5. WOORI FINANCE HOLDINGS CO. LTD. COMPETITORS AND INDUSTRY ANALYSIS
5.1. Woori Finance Holdings Co. Ltd. Direct Competitors
5.2. Comparison of Woori Finance Holdings Co. Ltd. and Direct Competitors Financial Ratios
5.3. Comparison of Woori Finance Holdings Co. Ltd. and Direct Competitors Stock Charts
5.4. Woori Finance Holdings Co. Ltd. Industry Analysis
5.4.1. Industry Snapshot
5.4.2. Woori Finance Holdings Co. Ltd. Industry Position Analysis
6. WOORI FINANCE HOLDINGS CO. LTD. NEWS & EVENTS
6.1. News & PR Activity Analysis
6.2. IR Corporate News
6.3. Marketing News
6.4. Corporate Events
7. WOORI FINANCE HOLDINGS CO. LTD. EXPERTS REVIEW1
7.1. Experts Consensus
7.2. Experts Revisions
8. WOORI FINANCE HOLDINGS CO. LTD. ENHANCED SWOT ANALYSIS2
9. SOUTH KOREA PESTEL ANALYSIS2
9.1. Political Factors
9.2. Economic Factors
9.3. Social Factors
9.4. Technological Factors
9.5. Environmental Factors
9.6. Legal Factors
10. WOORI FINANCE HOLDINGS CO. LTD. IFE, EFE, IE MATRICES2
10.1. Internal Factor Evaluation Matrix
10.2. External Factor Evaluation Matrix
10.3. Internal External Matrix
11. WOORI FINANCE HOLDINGS CO. LTD. PORTER FIVE FORCES ANALYSIS2
12. WOORI FINANCE HOLDINGS CO. LTD. VRIO ANALYSIS2
APPENDIX: RATIO DEFINITIONS
LIST OF FIGURES
Woori Finance Holdings Co. Ltd. Annual Revenues in Comparison with Cost of Goods Sold and Gross Profit
Profit Margin Chart
Operating Margin Chart
Return on Equity (ROE) Chart
Return on Assets (ROA) Chart
Debt to Equity Chart
Current Ratio Chart
Woori Finance Holdings Co. Ltd. 1-year Stock Charts
Woori Finance Holdings Co. Ltd. 5-year Stock Charts
Woori Finance Holdings Co. Ltd. vs. Main Indexes 1-year Stock Chart
Woori Finance Holdings Co. Ltd. vs. Direct Competitors 1-year Stock Charts
Woori Finance Holdings Co. Ltd. Article Density Chart
1 – Data availability depends on company’s security policy.
2 – These sections are available only when you purchase a report with appropriate additional types of analyses.
The complete financial data is available for publicly traded companies.
Woori Finance Holdings Co. Ltd. Key Facts
Profitability
Management Effectiveness
Income Statement Key Figures
Balance Sheet Key Figures
Cash Flow Statement Key Figures
Financial Performance Abbreviation Guide
Woori Finance Holdings Co. Ltd. Key Executives
Woori Finance Holdings Co. Ltd. Major Shareholders
Woori Finance Holdings Co. Ltd. History
Woori Finance Holdings Co. Ltd. Products
Revenues by Segment
Revenues by Region
Woori Finance Holdings Co. Ltd. Offices and Representations
Woori Finance Holdings Co. Ltd. SWOT Analysis
Yearly Income Statement Including Trends
Income Statement Latest 4 Quarters Including Trends
Yearly Balance Sheet Including Trends
Balance Sheet Latest 4 Quarters Including Trends
Yearly Cash Flow Including Trends
Cash Flow Latest 4 Quarters Including Trends
Woori Finance Holdings Co. Ltd. Profitability Ratios
Margin Analysis Ratios
Asset Turnover Ratios
Credit Ratios
Long-Term Solvency Ratios
Financial Ratios Growth Over Prior Year
Woori Finance Holdings Co. Ltd. Capital Market Snapshot
Woori Finance Holdings Co. Ltd. Direct Competitors Key Facts
Direct Competitors Profitability Ratios
Direct Competitors Margin Analysis Ratios
Direct Competitors Asset Turnover Ratios
Direct Competitors Credit Ratios
Direct Competitors Long-Term Solvency Ratios
Industry Statistics
Woori Finance Holdings Co. Ltd. Industry Position
Company vs. Industry Income Statement Analysis
Company vs. Industry Balance Sheet Analysis
Company vs. Industry Cash Flow Analysis
Company vs. Industry Ratios Comparison
Woori Finance Holdings Co. Ltd. Consensus Recommendations1
Analyst Recommendation Summary1
Price Target Summary1
Experts Recommendation Trends1
Revenue Estimates Analysis1
Earnings Estimates Analysis1
Historical Surprises1
Revenue Estimates Trend1
Earnings Estimates Trend1
Revenue Revisions1
SWOT Analysis
SWOT, which stands for Strengths, Weaknesses, Opportunities and Threats, is an analytical framework that identifies the internal and external factors that are favorable and unfavorable for a company.
Enhanced SWOT Analysis
Enhanced SWOT is a 3×3 grid that arranges strengths, weaknesses, opportunities and threats into one scheme:
- How to use the strengths to take advantage of the opportunities?
- How to use the strengths to reduce likelihood and impact of the threats?
- How to overcome the weaknesses that obstruct taking advantage of the opportunities?
- How to overcome the weaknesses that can make the threats a reality?
Upon answering these questions a company can develop a project plan to improve its business performance.
PESTEL Analysis
PESTEL (also termed as PESTLE) is an ideal tool to strategically analyze what influence different outside factors – political, economic, sociocultural, technological, environmental and legal – exert on a business to later chart its long term targets.
Being part of the external analysis when carrying out a strategic assessment or performing a market study, PESTEL gives an overview of diverse macro-environmental factors that any company should thoughtfully consider. By perceiving these outside environments, businesses can maximally benefit from the opportunities while minimizing the threats to the organization.
Key Factors Examined by PESTEL Analysis:
- Political – What opportunities and pressures are brought by political bodies and what is the degree of public regulations’ impact on the business?
- Economic – What economic policies, trends and structures are expected to affect the organization, what is this influence’s degree?
- Sociological – What cultural and societal aspects will work upon the demand for the business’s products and operations?
- Technological – What impact do the technological aspects, innovations, incentives and barriers have on the organization?
- Environmental – What environmental and ecological facets, both locally and farther afield, are likely to predetermine the business?
- Legal – What laws and legislation will exert influence on the style the business is carried out?
IFE, EFE, IE Matrices
The Internal Factor Evaluation matrix (IFE matrix) is a strategic management tool helping audit or evaluate major weaknesses and strengths in a business’s functional areas. In addition, IFE matrix serves as a basis for identifying and assessing relationships amongst those areas. The IFE matrix is utilised in strategy formulation.
The External Factor Evaluation matrix (EFE matrix) is a tool of strategic management that is typically utilised to assess current market conditions. It is an ideal instrument for visualising and prioritising the threats and opportunities a firm is facing.
The essential difference between the above mentioned matrices lies in the type of factors incorporated in the model; whilst the latter is engaged in internal factors, the former deals exceptionally with external factors – those exposed to social, political, economic, legal, etc. external forces.
Being a continuation of the EFE matrix and IFE matrix models, the Internal External matrix (IE matrix) rests upon an investigation of external and internal business factors integrated into one suggestive model.
Porter Five Forces Analysis
The Porter’s five forces analysis studies the industry of operation and helps the company find new sources of competitive advantage. The analysis surveys an industry through five major questions:
- What composes a threat of substitute products and services?
- Is there a threat of new competitors entering the market?
- What is the intensity of competitive rivalry?
- How big is the bargaining power of buyers?
- How significant is the bargaining power of suppliers?
VRIO Analysis
VRIO stands for Value, Rarity, Imitability, Organization. This analysis helps to evaluate all company’s resources and capabilities and bring them together into one aggregate table that includes:
- Tangible resources
- Financial
- Physical
- Technological
- Organizational
- Intangible resources
- Human
- Innovation and Creativity
- Reputation
- Organizational capabilities
The result of the analysis gives a clear picture of company’s competitive and economic implications, answering the questions if the resources mentioned above are:
- Valuable?
- Rare?
- Costly to imitate?
- Organized properly?
