• The Journal of Korean Institute of Communications and Information Sciences
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• v.25 no.4B
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• pp.715-724
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• 2000

This Paper presents 3-D subband filter banks which are effective for progressive and lossless compression of volumetric images. For such a purpose, ORT(Overlapping Rounding Transform), applied so far to 1-D losslesssubband filter banks, is now used to implement two types of 3-D lossless subband filter banks: separable andnon-separable types. Separable fiter banks are implemented form applying 1-D lossless filter banks consecutively.Non-separable later banks are developed by expanding the 1-D ORT into 3-D one. In particular, the proposed ORT based 3-D non-separable filter banks generalizes the 3-D HINT(Hierarchical INTerpolation) algorithm.Through the experiment comparisons on various volumetric medical images, we prove that the proposedseparablefnon-separable filter banks perform better, in terms of compression ratio (first order entropy), than theother lossless compression techniques such as block based transform and conventional 3-D HINT.

• The Journal of the Convergence on Culture Technology
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• v.7 no.1
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• pp.511-517
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• 2021

In this paper, we analyzed the impact of capital adequacy requirements on the profitability of Korean banks using DOLS model. As a result of the analysis, the impact of BIS capital ratios on commercial and regional banks was different. Demand for capital adequacy has a greater and more significant negative impact on regional banks than on commercial banks. It was shown that bank characteristic variables rather than macroeconomic variables have a more significant effect on bank profitability. In addition, a rise in the BIS capital ratio reduces the profitability of commercial and regional banks, and the higher the ratio of loan-loss provisions, the stronger the relationship. In the case of commercial banks, it is estimated that the demand for capital adequacy did not have a significant impact as they are relatively large and faithful in capital compared to regional banks. However, in the case of regional banks, safer assets need to be selected to meet the BIS capital ratio, and the increasing propotion of these safe assets seems to have a relatively greater negative impact on profitability. Consequency, the financial authorities should consider this results and implement the bank's capital regulation policy.

• THE INTERNATIONAL COMMERCE & LAW REVIEW
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• v.57
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• pp.199-219
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• 2013

The objective of this study is to find out whether Korean main banks may have efficiency against Indian major banks. For this purpose, DEA analysis is used for checking relative efficiency levels. The study proposes, as a result, Shinhan bank, Woori bank and Kookmin bank in Korea may consider entering into Indian banking industry because these three banks have relative efficiency against main Indian banks like Yes bank, ICICI bank. The results of the study comply with actual facts since Shinhan bank already came to Indian banking market at first. Shinhan bank have three branches like Mumbai, NewDelhi etc. Wooribank also entered into India in 2012 as second case among Korean banks. But Kookmin bank did not come to India yet so they should consider coming to India. As a preliminary measures, they can send one person as a expatriate to survey the Indian banking industry like KDB in Korea. If they can utilize their core competence in real estate field at India, they may positively think about entering into India as quickly as possible. Although many Korean firms have penetrated into Indian market recently, they almost belong to manufacturing sectors so Korean service firms like banks should consider more coming to India because the most hot sector for FDI in India remain service sector and many foreign service firms already rush to Indian market. If Korean service firms like banks delay FDI further, good market opportunities would not be there any more. DEA analysis can be one of tools to check investment feasibilities. Since India becomes a compulsory subject for most of Korean firms, to increase possibilities of success in India, such Korean banks may consider applying fast-mover investment strategies to the Indian business fields.

• Journal of Korea Trade
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• v.27 no.1
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• pp.192-210
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• 2023

Purpose - Vietnam has the fastest growing digital economy in Southeast Asia and is emerging as a critical overseas market for Korean banks in the post-COVID-19 era. Accordingly, many Korean banks entered the Vietnamese market to overcome the limitations of the saturated domestic financial market and create new revenue sources. This study examined the current status of digital finance in Vietnam and the cases of Korean banks that have succeeded in the Vietnamese market. Then, importance-performance analysis (IPA) was conducted on local customers, managers and staff members of Korean banks in Vietnam. Design/methodology - In this study, we analyzed the importance and satisfaction factors of mobile banking app usage in Vietnam through IPA. In particular, we identified the differences between the two groups by considering the viewpoint of customers who use mobile banking apps and that of managers and staff members who provide mobile banking services. Findings - The IPA results from the customer group and managers and staff members group were generally similar, but differences were observed in Ease of Use (Technology), Innovativeness (Organization), and Increase in Revenue (Economic). In the case of the customer group, Ease of Use (Technology) is located in the second quadrant, which shows low satisfaction compared to high importance. However, in the managers and staff members group, Ease of Use (Technology) is located in the first quadrant, which indicates high importance and high satisfaction. This difference in perception can cause complaints from local customers; thus, it is necessary to change the perception of the technological aspect for ease of use of mobile banking apps in consideration of the customer's position. In addition, it is necessary to allocate the resources invested in the Innovativeness (Organization) and Increase in Revenue (Economic) to Ease of Use (Technology). Originality/value - In this study, based on the HOTE framework, factors for using mobile banking apps were derived, and IPA was conducted targeting local customers (app user) and managers and staff members (app provider) of Korean banks in Vietnam. Through this, we presented the results of empirical analysis that can help Korean banks efficiently utilize limited resources and budgets.

• The Transactions of The Korean Institute of Electrical Engineers
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• v.62 no.2
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• pp.264-269
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• 2013

In this paper, low-power heart beat detection algorithm and structure is proposed. The proposed detection algorithm utilizes filter banks to display a specific beat per minute(BPM) from the heart beat signals. Since general filter banks need a lot of computation to calculate a BPM, we propose the filter banks structure using modified CIC(Cascaded Integrator Comb) filters. It is shown that the proposed modified CIC filter banks algorithm can display the BPM from the heart beat signals precisely and efficiently.

• The Journal of the Convergence on Culture Technology
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• v.7 no.2
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• pp.165-170
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• 2021

This study analyzed the effect of housing price changes on the performance of Korean regional banks using DOLS model. The analysis shows that housing price changes does not have a statistically significant effect on the loan growth, profitability and soundness of regional banks. Among macroeconomic variables, only short-term interest rates have a significant positive effect on any model. This means that a rise in short-term interest rates significantly increases loans by regional banks, which leads to a significant increase in profitability, but has a significant negative impact on soundness. On the other hand, bank characteristics variables are found to have a significant negative effect on the loan growth, profitability and soundness of Korean regional banks.

• Journal of the Korean association of regional geographers
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• v.12 no.1
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• pp.154-171
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• 2006

By comparing to Chinese American banks, this research shows the uniqueness of Korean American banks. This article argues that instead of the cultural attributes and/or informal financial institutions, formal financial institutions, such as the ethnic banks studied here, are responsible for the business success of Asians abroad. However, ethnic banks have different development trajectories depending on their respective ethnic communities. Korean American banks are notably different from Chinese American banks in terms of growth, profitability, and banking strategies. Although both ethnic banks exercise relationship banking strategies in their loan portfolios, their deposit compositions are very different and cause significant differences in financial performance. The focus on business loans and high rates of non-interest deposits allow for higher growth rates in Korean American banks. Therefore, relationship banking does not adequately explain the differences of ethnic banks. This research attempts to understand the underlying factors in choosing banking strategies by mainly focusing on the unique examples found in Korean and Chinese immigrant societies. For Chinese Americans, the heterogeneity of their population composition and foreign influence dominate their bank structures. On the other hand, Korean American homogeneity and business orientation are distinctly different. The influence of Korean capital is not significant when compared to overseas Chinese capital.

• Journal of the Korean Operations Research and Management Science Society
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• v.34 no.2
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• pp.1-13
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• 2009

In this paper, we develop theoretical game models to determine the level of government subsidies for banks to provide policy loans to Innovative SMEs(small and medium sized enterprises) through banks, which otherwise would not finance them for the sake of their own profitability. For this, we compare net cash flows of each bank using different strategies against high risk innovative SMEs. A bank can decide whether to provide them loans or not In each period. Following Kim(2003)'s Infinite horizon model on the soft budget constraint, we introduce a situation in which banks compete against each other for higher net long-term payoffs from their loans to innovative SMEs and non-innovative SMEs. From the models, we show that competition among banks in general leads to a tighter decision against innovative SMEs, as a Nash equilibrium. It is not because the government bank is simply loose in providing loans, but because competition among commercial banks for fewer riskier borrowers results in tighter loan decisions against innovative SMEs. Thus, the competitive market for policy loans to innovative SMEs fails to reach the socially optimal level of loans for innovative SMMs. Commercial banks in the competitive market may require additional supports from the government to make up for the differences in their payoffs to support innovative SMEs, possibly much riskier due to moral hazards and poor discounted cash flows. The monopolistic government bank might also request such supports from the government to fund otherwise unqualified SMEs. We calculate an optimal level of governmental support for banks to guarantee funding such high-risk innovative SMEs over periods without deviating from their optimal Nash equilibrium policies.

• Proceedings of the KIEE Conference
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• 2002.07a
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• pp.181-183
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• 2002

Complete load model of the substation not only should include the performances of the load components, but also should take into consideration the core losses of transformers, the line losses and the capacitor banks. In an actual distribution system, the control scheme of capacitor banks are so complex and is difficult to identify actual values for the reactive powers of capacitor banks. This research improves on this drawback by applying component-based modeling method including a capacitor banks in distribution systems. Initial differences between the model results and the actual values for reactive powers are later decreased by the proposed method.

• Journal of the Korea Academia-Industrial cooperation Society
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• v.15 no.8
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• pp.4895-4900
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• 2014

This study examined the impact of Government-ownership of banks on the firm size using South Korean data. The impact of Government ownership of banks as both the largest lender of government banks and the bank loan dependency of firms on government-ownership bank were measured. Empirical models considering endogenous problems and various effects of firm size were developed. All results in this paper showed that government-ownership of the main banks might have a relationship with the smaller firms. In addition, the bank loan dependency of firms on government-ownership banks might have effects on the firm size. A higher loan dependency of firms on government-owned banks resulted in smaller firms. This study used micro firm level data to analyze, from several perspectives, the relationship between government-owned banks and firm size. The existing studies go as far as inferring the effects of government-owned banks showing theoretical evidence, performing surveys, or using international comparison data. This study is differentiated from existing studies in that it analyzed in a direct manner the effects of the government-owned banks on both the firm size. This study provides insights into the privatization of government-owned banks.