KASIKORNBANK Financial Overview
Approval Process
Annual Sales
Post Approval
K
EXCELLENCE
KBank Credit Approval Process
MB
Corporate
> Bt5,000mn
CB
>Bt400-5,000mn
Policy Lending
ME
> Bt50 400mn
Credit Underwriting Dept.
⚫ Sufficiency of cash flow
• Growth trends and ability to compete
• Management experience and depth
Leverage, Liquidity, and asset quality
⚫ Credit Risk Mitigation
• Facilities Structure
SME
• Application Score
⚫ Legal document
⚫ Limit set up
• Customer Review by Relationship Manager (RM)
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开泰银行 KASIKORNBANK.
SM
≤ Bt50mn
Retails
Housing Loan/
Secured Consumer
SME Credit and Housing Loan Approval Processing Dept.
Formula Lending
⚫ FICO Score
⚫ Bureau information/Credit
history
⚫ Debt service capacity
⚫ LTV
Formula Lending
• Application Score
• FICO Score
Credit Card/
Unsecured Consumer
Unsecured Credit Product
Operation Dept.
⚫ Bureau information/Credit history
• Debt service capacity (except Credit Card)
⚫ LTV (only housing loan/secured consumer)
Credit Processing Dept.
Bank-wide Risk Asset Review
Retail and SME Business Collection and Recovery Dept.
Unsecured Credit Product
Operation Dept.
⚫ Legal document
• Limit set up
⚫ Credit Portfolio Monitoring Unit to facilitate RM in
customer monitoring
⚫ Credit Clinic
• Automated collection system
Efficiently utilize available behavior scoring and collection tools i.e. SMS, automated letter
generation, phone
Note: MB = Multi-Corporate Business, CB = Large Corporate Business, ME = Medium Business, SM = Small & Micro Business, FICO = Fair Isaac Corporation
บริการทุกระดับประทับใจ
K
EXCELLENCE
Credit Bureau Summary
National Credit Bureau (NCB)*
Two Types of Credit Reports Offered by NCB:
➤ Consumer credit report for individuals
Commercial credit report for businesses
Credit report (monthly reported by members)
➤ Customer information (Name, address,
identification number, birth date, occupation, etc.)
➤ Credit information (History of application, approval
history, loan payment history, etc.)
Data Record of Credit Report
➤ Individuals: Credit report remains on file for 3
years
➤ Businesses: Credit report remains on file for 5
years
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
KBank Practice
KBank's customers applying for loans
Optional to
Sign agreement to allow the Bank
(Large companies normally have
reliable financial statements)
Corporate Business
to get credit report from NCB
Required to
Required to
SME
Multi-
Corporate
Business
Large
Corporate
Business
Medium
Business
Small &
Micro
Business
Good credit
Poor credit
Retail Business
4 Customer Segment in
Retail (HN, AF, MI and MA)
Good credit
Poor credit
■Members: Financial institutions including commercial
banks, finance companies, securities companies,
insurance companies, etc.
KBank's
Policy
Lending
Reject
application
KBank's
Credit
Scoring
Reject
application
Note: *The concept of a credit bureau started in 1961 and central credit registration started in 1964. The Central Information Service was established in 1999 and its name was changed to
Central Credit Information Service in 2000 and to the National Credit Bureau in 2005
บริการทุกระดับประทับใจ
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