은행의 핵심예금이 수익성에 미치는 영향

This study was performed to analyse effects of the bank’s core deposit rate on profitability. Theoretically, core deposit－based financing has both positive and negative effects on bank profitability. In this study, an empirical analysis was performed to know what the core deposit actually has an effect on the bank profitability, by using the structured income ratio as the bank’s ratio of profitability. As a result of the empirical analysis, it was shown that the bank’s structured income ratio and core deposit rate has a significant negative effect on the bank profitability at the level of 10%. In addition, an significant negative relationship appeared in the core deposit rate of nationwide commercial banks at the level of 5%, while local banks’ core deposit rate also showed a significant negative relationship at the level of 1%. The fact seems to indicate that the higher core deposit rate results in a variety of operating and regulating expenses so that the bank profitability can be reduced. It must be necessary, therefore, to create a stabilized financing source by controlling these expenses. The results of this study showed that the element having an effect on the maximized profitability of domestic banks includes interest margin and cost efficiency, as well as the core deposits, and thus it seems that these results are likely to provide fundamental information necessary to improve the profitability of banks.