FY2008 Third Quarter - Profitability - Stability - Capital adequacy - Balance sheet - Profit & Loss account   FY2008 First Half   2007   2006   2005   2004 Home > Financial Info > FY2008 Third Quarter > Profitability Profitability Net Income (unit : 100 million Won, %) Category FY2008 Third Quarter FY2007 Third Quarter Fluctuation Net Income 56 236 -180 Profitability Ratios (unit : 100 million Won, %) Category FY2008 Third Quarter FY2007 Third Quarter Fluctuation Return on assets on average expected interest rate 72.81% 114.85% -42.04%p Insurance payment on death on risk insurance premium 89.22% 91.94% -2.72%p Actual operating cost on forecasted operating cost 84.74% 111.03% -26.30%p ROA (return on assets) 0.22% 1.15% -0.93%p ROE (return on equity) 1.41% 7.24% -5.83%p