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브레이크뉴스 문홍철 기자= 국내 은행들이 금리 인상 덕에 올 3분기까지 40조원이 넘는 이자이익을 본 것으로 집계됐다.
금융감독원이 17일 발표한 ‘2022년 3분기 기준 국내은행 영업실적(잠정)’에 따르면 올 1~3분기 국내은행의 이자이익은 40조6000억원이다. 전년 동기 33조7000억원 대비 6조9000억원(20.3%↑) 증가했다.
대출채권 등 운용자산이 작년 같은 기간보다 10.5% 증가하고, 이자수익 자산의 단위당 이익률을 의미하는 순이자마진(NIM)도 전년동기대비 0.15%p 상승했기 때문이다. 즉, 대출이 증가했고, 금리인상 기조로 예대금리차도 크게 벌어진 영향을 받은 것으로 보인다.
반면, 올 3분기까지 국내은행의 당기순이익은 15조원으로 전년 동기 15조7000억원보다 8000억원(4.8%↓) 감소했다.
이에 대해 금감원은 “이자이익 증가에도 불구하고, 금리상승에 따른 유가증권 평가·매매손실 등으로 인한 비이자이익 감소(4조5000억원↓), 대손충당금 확대에 따른 대손비용 증가(1조7000억원↑) 등이 영향을 미쳤다”고 설명했다.
아울러 올 3분기까지 국내은행의 판매비와 관리비는 18조1000억원으로 전년 동기 17조5000억원 대비 6000억원(3.5%↑) 증가했다. 인건비는 전년과 유사한 수준이나, 임차료·접대비·감가상각비·세금과공과·광고선전비·연구비 등 물건비는 6000억원 상승했다.
이 외에도 올 3분기까지 국내은행의 법인세비용은 5조1000억원으로 전년 동기 5조3000억원 대비 2000억원(3.5%↓) 감소했다.
금감원 관계자는 “대내외 경제여건 악화에 따라 취약 차주를 중심으로 신용손실이 확대될 가능성에 대비해 손실흡수능력 확충을 유도할 계획”이라며 “이를 위해 은행의 대손충당금 적립 현황을 분기별로 점검하고, 자본 비율이 취약한 은행에 대해서는 자본 관리 강화를 지도하겠다”고 전했다.
break9874@naver.com
*아래는 위 기사를 '구글 번역'으로 번역한 영문 기사의 [전문]입니다. '구글번역'은 이해도 높이기를 위해 노력하고 있습니다. 영문 번역에 오류가 있을 수 있음을 전제로 합니다.<*The following is [the full text] of the English article translated by 'Google Translate'. 'Google Translate' is working hard to improve understanding. It is assumed that there may be errors in the English translation.>
Bank sector, interest income exceeded 40 trillion won by the third quarter of this year due to interest rate hikes
Financial Supervisory Service Announcement of domestic bank business results (provisional) as of the third quarter of 2022
It is estimated that domestic banks have seen more than 40 trillion won in interest income by the third quarter of this year thanks to the interest rate hike.
According to the “Domestic Bank Business Performance (Provisional) as of the 3rd Quarter of 2022” announced by the Financial Supervisory Service on the 17th, the interest income of domestic banks in the 1st to 3rd quarters of this year was 40.6 trillion won. It increased by 6.9 trillion won (20.3%↑) from 33.7 trillion won in the same period last year.
This is because assets under management, such as loans, increased by 10.5% from the same period last year, and net interest margin (NIM), which refers to the rate of return per unit of interest-earning assets, also increased by 0.15%p year-on-year. In other words, loans increased, and the interest rate hike trend seems to have significantly widened the spread between deposits and deposits.
On the other hand, the net profit of domestic banks through the third quarter of this year was 15 trillion won, down 800 billion won (4.8% ↓) from 15.7 trillion won in the same period last year.
Regarding this, the Financial Supervisory Service said, “Despite the increase in interest income, non-interest income decreased (4.5 trillion won ↓) due to valuation and trading losses of securities due to rising interest rates, and credit cost increased due to the expansion of bad debt provisions (1.7 trillion won ↑). ), etc. had an effect,” he explained.
In addition, selling and administrative expenses of domestic banks reached 18.1 trillion won by the third quarter of this year, up 600 billion won (3.5%) from 17.5 trillion won in the same period last year. Personnel costs are similar to the previous year, but the cost of goods, such as rent, entertainment, depreciation, taxes, publicity, advertising, and research, increased by 600 billion won.
In addition, corporate tax expenses of domestic banks through the third quarter of this year were 5.1 trillion won, down 200 billion won (3.5% ↓) from 5.3 trillion won in the same period last year.
An official from the Financial Supervisory Service said, "We plan to induce the expansion of loss absorption capacity in preparation for the possibility that credit loss will expand, centering on vulnerable borrowers, due to deterioration of domestic and foreign economic conditions."
To this end, we will check the current status of banks' provisioning for bad debts on a quarterly basis, and will guide banks with weak capital ratios to strengthen their capital management.”
