Hackers using the handle Digital Boys Underground @DigitalBoysUG who fly the anonymous flag have announced a leak of data from a Korean based bank name Hana Bank of Korea (https://www.hanabank.com/). The leak has been announce on twitter and was first posted to anonpaste and later duplicated onto pastebin and just continues on to add to the growing list of sites that have been hacked in recent weeks that belong to korea. > @cyber_war_news Hana Bank of Korea #Hacked pastebin.com/saHd7Uuk — Digital Boys UG (@DigitalBoysUG) April 4, 2013
The attacks has resulted in some claimed secret documents being leaked which appear to be internal instructions and information. The other leaked information contains a list of staff accounts that contain staff email addresses, encrypted passwords and some contain partial credit card numbers but no further information. Altogether 124 staff accounts have been leaked. ### Claimed secret documents.
=# Secret Documents leaked: Document 1: What are the prerequisites for getting a Direct Loan? A Direct Loan is provided to foreign governments or the central banks of foreign countries. This loan is also extended to importers when a Letter of Guarantee, irrevocable stand by L/C or a promissory note issued or confirmed by the importer's government (except for governments whose credit ratings are unacceptable), the central bank of the country or creditworthy financial institutions, are submitted to the Bank. Importers that submit securities acceptable to the Bank are eligible for this loan. Loan on credit is also available for creditworthy borrowers. #=# Document 2: Does the Bank have any recourse to exporters in case importers become insolvent? No, the Bank does not have any recourse to exporters even when importers go bankrupt during the loan period. By entering a loan agreement with an importer, the Bank takes all the credit risks of the importer. #=# What is the difference between Project Finance and a Direct Loan? A Direct Loan is usually secured by a Letter of Guarantee, irrevocable stand by L/C or a promissory note issued or confirmed by the importer's government, the central bank of the country or creditworthy financial institutions, while repayment of loan extended under Project Finance mainly relies on the project cash flow. As a result, reviewing loan applications for Direct Loans mainly focuses on the creditworthiness of the borrower or the guarantor, whereas for Project Finance, the feasibility, risk analysis of the project and the contents of related contracts are the main focus of the review. #=# Are feasible and promising projects always eligible for Project Finance? No, not necessarily. In the case of Project Finance, since the loan repayment relies on the project cash flow, the related agreements should clearly contain wordings that keep the project from various possible risks, not to mention the necessity of economic feasibility to be eligible for this type of financing. The creditworthiness of the parties (EPC contractor, off-taker, feedstock supplier, etc.) is another important factor to be examined. #=# What is the interest rate of IEC? For loans with repayment terms of less than 2 years: i) Fixed Rate: Swap Rate + Margin* ii) Floating Rate: LIBOR + Margin* * Additional rate charged according to the concerned country's or financial institution's creditworthiness or the loan tenor For loans with repayment terms of 2 to 10 years: CIRR** + Exposure Fee*** ** Commercial Interest Reference Rate: A fixed rate per currency and loan tenor, announced monthly by the OECD *** Additional fee charged according to the concerned country's or financial institution's creditworthiness or the loan tenor The margin that the local bank charges to the end-user (the importer) shall be the interest rate imposed by the Bank plus an appropriate margin determined considering the importer's creditworthiness. #=# What is the Minimum Foreign Exchange Earnings Ratio stated in the Exporter Confirmation? Minimum Foreign Exchange Earnings Ratio = Foreign Exchange Earnings / Contract value The Bank only supports export transactions with a Minimum Foreign Exchange Earnings Ratio of over 25%. For more detailed information, please contact the Interbank Export Credit Office. #=======================================#
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