제주은행

006220KOSPI은행 및 저축기관

43.3 / 100

Reference Date: 2026-07-24

Financial Score16.5 / 40

News Sentiment17.8 / 25

Momentum5.0 / 20

Disclosure4.0 / 15

AI Analysis: the debt ratio is low with sound financial health but ROE falls significantly short of the industry average. Declined 9.0% over the past month, and news sentiment is neutral.

Company InformationBased on 2025 Annual Report

Business Overview

Jeju Bank reported total deposits of 619.01 billion KRW and loans of 592.99 billion KRW as of December 2024, actively contributing to the local economy. It operates 25 branches and 30 business outlets across Jeju and other regions. In 2025, the bank plans to enhance digital strategies, strengthen financial competitiveness, drive organizational innovation, and reinforce risk management to achieve growth and stability.

Number of Employees

480people

Average Salary

82.1M KRW

Score Calculation Basis

Detailed Financial Score

PER

25.91Industry Average 20.783.0Point

Higher than industry avg (caution)

PBR

0.56Industry Average 0.532.5Point

Higher than industry avg (caution)

ROE

2.25Industry Average 6.331.0Point

Well below industry avg

Debt Ratio

1139.04Industry Average 1139.044.0Point

In line with industry avg

Trend 2023~20256.0 / 10 points

Revenue Growth Rate

2.0 / 3

Avg ▲6.5% (2-year basis)

Operating Profit Growth Rate

3.0 / 3

Avg ▲161.2% (2-year basis)

ROE Trend

1.0 / 4

Avg ROE 1.7% (improving, 3yr)

Detailed News Sentiment

25 totalPositive 12Neutral 5Negative 8Average Sentiment Score 71

Negative
금리 깎아준다더니 별별 이유로 “제외”…카드 실적 조건 완화
소비자 혜택 축소로 제주은행의 금융 상품 이용률 감소 우려
Positive
디지털 솔루션업체 플래티어, 신세계 등과 AI 전환 사업 확대
플래티어의 신세계I&C와의 계약으로 AI 기반 디지털 전환 사업 확장이 이루어져 제주은행과 직접적인 연관성이 없으나, 관련 산업의 성장이 긍정적 영향을 미칠 것으로 예상.
Positive
카드 많이 쓰면 대출금리 할인 확대…체크카드·할부 이용도 실적 인...
대출금리 할인 혜택 확대가 제주은행 고객에게 긍정적 영향을 미칠 것으로 예상됩니다.

Detailed Momentum

52-week position1.0Point

Near 52w low (7%, downtrend)

Current 9,550Won52-week high 17,19052-week low 8,940

1-month return1.0Point

1m -8.96% (falling)

Volume trend3.0Point

Volume flat

Detailed Disclosure

5 totalPositive 0Neutral 3Negative 2

Neutral연결재무제표기준영업(잠정)실적(공정공시)2026-07-22
Negative불성실공시법인지정2026-07-21
Neutral결산실적공시예고(안내공시)2026-07-15
Negative불성실공시법인지정예고2026-07-02
Neutral주요사항보고서(상각형조건부자본증권발행결정)2026-07-01