• KFINCO places an emphasis on the benefit of the union members rather than maximizing profit. We reduce the burden placed on the union members while promoting the continuous revenue policy through investment and financing to maintain the A3 credit rating acknowledged by the international credit rating institute, Moody’s.

Financial Solvency

• KFINCO provides stable financial services including guarantees, loans and credit (insurance), based on sufficient capital and liquidity exceedingly satisfying the commissioner’s standard of the Ministry of Land, Infrastructure and Transport by 4 times the standard, while in compliance with the zero debt business principles.
• Risk-based capital ratio 538
• Liquidity ratio 3,698%
• Assets (2021) 6,160 Billion KRW
  Operating an asset of 6trillion won by financing the investments of union
  members (Construction Firms)
• Profit structure (2021) 428 Billion KRW
  We pursue a revenue policy maintaining the union management integrity
  through various financing and investment revenues, while setting a low surety
  commission and financing interest rate to allow union members to operate
  their construction businesses with minimal financing expenses.
• Credit Rating : Moody’s credit rating ‘A3’ rating outlook ‘Stable’ KFINCO was the first Korean Guarantee Organization to acquire the ‘A3 (Stable)’ Insurance Financial Strength rating by Moody’s, which is one of three major global credit rating institute, thus objectively verifying the reliability of the financial solvency of the business. (evaluation date : 2022.08.30.)