A Study on the Profitability of ASEAN Bank - Focusing on Commercial Banks

The world economy is affected by various factors of fluctuations in the international financial market. Due to the stagnation of the North American and European markets, which played a major role in the past. Financial markets in East Asia are receiving relatively high interest, and assets are moving accordingly to that. Among them, the banks in the ASEAN region, which are the growth engines of the East Asia financial market, are identified as factors affecting profitability. Therefore, the current status of ASEAN regional banks and policy directions are suggested. In order to understand the net profit performance of assets, analysis is conducted only for corporate institutions, which are independent accounting standards. All banks of ASEAN are operating in developing countries. And basically loan operations are the main business, and externally the increase in the size of the national economy(GDP) is also a major factor. In addition, since asset-based economies of scale have a negative effects, and soundness management centered on small and medium-sized banks has a major impact on profitability. Therefore, Microfinance policy is effectiveness across ASEAN countries. Considering the characteristics of ASEAN's financial market, a financial policy for the New Southern Policy should be accompanied.