FY2008 Third Quarter   FY2008 First Half - Business scale - Profitability - Stability - Capital adequacy - Balance sheet - Profit & Loss account   2007   2006   2005   2004 Home > Financial Info > FY2008 First Half > Profitability Profitability Net Income (unit : 100 million Won, %) Category FY2008 First Half FY2007 First Half Fluctuation Net Income 87 96 -9 Profitability Ratios (unit : 100 million Won, %) Category FY2008 First Half FY2007 First Half Fluctuation Return on assets on average expected interest rate 95.62% 106.13% 10.5%p Insurance payment on death on risk insurance premium 88.99% 93.16% 4.17%p Actual operating cost on forecasted operating cost 92.93% 110.89% 17.96%p ROA (return on assets) 0.50% 0.60% 0.1%p ROE (return on equity) 3.79% 4.28% 0.49%p