Jin Man also vows to keep Hanvit's non-performing loans at under 2% of total lending.

CNN: HERE COME THE MAVERICKS

Hanvit is the result of a merger of two ailing giants, No. 3 Hanil Bank and No. 6 Commercial Bank of Korea.

CNN: HERE COME THE MAVERICKS

For his part, Kim Jin Man of Hanvit Bank is looking at the year 2000 to start making money - at least a 15% return on equity, compared with the minus 69.9% return in 1998.

CNN: HERE COME THE MAVERICKS