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Tue, June 6, 2023 | 18:37
National
Banks close down branches amid digitization
시중은행, '디지털화' 바람 속에 영업점 축소
Posted : 2019-07-05 11:17
Updated : 2019-07-05 18:25
Hong Ji-min
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The number of bank branches in Korea has been on a steady decline due to an increase in non-face-to-face transactions amid digitization.

'디지털화' 바람 속에 비대면 거래가 증가하면서 국내 시중은행의 지점 수가 꾸준히 감소하고 있다.


According to latest data from the Financial Supervisory Service (FSS), the number of branches at the country's 18 commercial banks including the top five ― Shinhan, KB Kookmin, Woori, KEB Hana and NongHyup ― has decreased by 13 percent to 6,771 in 2018 from 7,698 in 2012.

금융감독원의 최근 보고자료에 따르면 국내 5대 은행인 신한은행, KB국민은행, 우리은행, KEB하나은행, 농협은행을 포함한 18개 시중은행의 총 지점 수는 2012년 7,698개에서 2018년 6,771개로 13% 감소했다.


The shutdown has come as a result of an increase in the number of customers switching to internet banking.

인터넷뱅킹으로 전환하는 고객 수 증가가 이 같은 지점 폐쇄의 원인이 됐다.


Bank of Korea (BOK) Economic Statistics System data showed there were over 146 million subscribers to online banking services including over 137 million individual customers and 9.1 million corporate customers as of the end of 2018.

한국은행 경제통계시스템 데이터에 따르면 2018년 말 기준 온라인뱅킹 서비스 가입자는 총 1억 4600만 명으로, 개인고객 1억3700만 명, 기업고객은 910만 명인 것으로 나타났다.


The figures are nearly double from four years earlier, when there were 81 million individual customers and 5 million corporate customers.

개인 고객 8,100만 명, 기업 고객 500만 명이었던 4년 전보다 두 배 가까이 늘어난 수치다.


The number of subscribers far outweighs the total population of the country as people use services from multiple banks.

온라인뱅킹 가입자 수가 국가의 전체 인구보다 훨씬 많은 이유는 사람들이 한 개 이상의 은행을 이용하기 때문이다.


"Many of our customers use the online platform to check balance and wire cash simply because it is far easier and more convenient. And the number of users and transaction volume of online platform-mediated services will increase," a KEB Hana Bank official said.

KEB하나은행 관계자는 "온라인 앱을 사용하여 잔액을 확인하고 현금을 송금하는 게 훨씬 쉽고 편리하기에 많은 고객들이 이를 사용한다. 그리고 온라인 플랫폼 관련 서비스의 이용자와 거래량이 증가할 것"이라고 말했다.


The figure is also in line with the country increasingly becoming paperless, with over half of the cash wiring and withdrawal services conducted via online platforms.

이 수치는 점점 현금 없는 사회가 되어가는 것과 일맥상통하며, 실제로 절반 이상의 현금 이체와 인출 서비스가 온라인 플랫폼을 통해 이루어졌다.


BOK data showed that 53 percent of such services were conducted via mobile or online platforms in 2018.

한국은행의 자료는 2018년 은행 서비스 중 53%가 모바일 또는 온라인 플랫폼을 통해 이뤄졌음을 보여준다.


About 87 percent of the balance inquiries were made online, while only 8 percent were made following in-person visits.

잔고 확인의 약 87%가 온라인에서 이루어졌고, 직접 방문은 오직 8%였다.


In 2018, 3.7 billion cash wiring transactions were made, nearly double from 1.9 billion in 2012.

2018년에는 37억 건의 현금 이체가 일어났는데, 이는 2012년의 19억 건보다 두 배 가까이 늘어난 수치다.


The number of online requests seeking loans jumped to 4.5 million, over seven-fold increase from 605,000 in 2012.

온라인 대출 신청 건수는 450만 건으로 2012년 60만5000건에 비해 7배 이상 급증했다.


The amount sought for loans also jumped to 53.4 trillion won in 2018, over 14-fold increase from 3.7 trillion won in 2012.

대출 신청액도 2012년 3조7000억원에서 2018년 53조4000억 원으로 14배 이상 급증했다.


Banks are opening specialized branches targeting the wealthy or young in affluent neighborhoods or busy commercial districts with newly developed residential areas.

은행들은 부유층, 부유한 동네의 젊은 층, 신규 주택가의 상업지역을 대상으로 전문 지점을 개설하고 있다.


Woori Bank opened a new branch in Jamsil, southeastern Seoul, where a wealth management service is available for customers with at least 300 million won ($258,000) in their account.

우리은행은 서울 잠실에 새 지점을 개설했는데, 이 지점에서는 계좌에 최소 3억원 이상을 보유한 고객들에게 재산 관리 서비스가 제공된다.


KEB Hana Bank is seeking to open branches in highly populated areas in commercial districts where cultural services are also available.

KEB하나은행은 문화 서비스도 가능한 상업지구 내 인구밀도가 높은 지역에 지점을 개설하는 방안을 추진 중이다.


These moves are part of broader efforts to attract young customers in their 20s and 30s.

이런 움직임은 20~30대 젊은 고객을 유치하기 위한 폭넓은 노력의 일환이다.


"By granting access to financial services while offering a snack or coffee, or a look at interior decoration items, the sites seek to become a place for rest than for withdrawing quick cash or applying for a loan," the official said.

KEB하나은행 관계자는 "간식이나 커피를 제공하면서 금융서비스에 접근할 수 있게 함을 통해서 은행 영업점은 현금을 인출하거나 대출을 신청하는 곳보다는 휴식의 공간이 되고자 한다"고 전했다.


KEYWORDS
■ digitization 디지털화
■ non-face-to-face 비대면
■ transaction 거래
■ commercial bank 시중은행
■ shutdown 폐쇄
■ subscriber 구독자, 가입자
■ outweigh ~보다 더 크다
■ balance 잔고, 잔액
■ wire cash 송금하다, 이체하다
■ transaction volume 거래량
■ figure 수치
■ in line with ~와 함께, ~에 따라
■ wire cash 송금하다, 이체하다
■ paperless (현금)지폐 없는
■ cash wiring 송금, 이체
■ withdrawal 인출
■ balance inquiry 잔고 확인
■ commerical district 상업 지역
■ quick cash 현금


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