How profitable a bank is affects its safety and soundness. A bank can retain its earnings, boosting its capital cushion, or put them to work addressing problematic loans, likely making the bank more resilient in times of trouble. Conversely, losses reduce a bank's ability to do those things.
On Bankrate's test of earnings, KEB Hana Bank USA, National Association scored 0 out of a possible 30, below the national average of 15.12.
Return on equity, calculated by dividing net income (profit, essentially) by total equity, is one important way to measure a bank's earnings. KEB Hana Bank USA, National Association's most recent annualized quarterly return on equity was -5.64 percent, below the national average of 8.10 percent.
For the twelve months ended December 31, 2017, the bank earned net income of $-2.6 million on total equity of $45.9 million. The bank reported an annualized return on average assets, or ROA, of -1.21 percent, below the 1 percent deemed satisfactory in accordance with industry standards and below the average for U.S. banks of 1.00 percent.