KASIKORNBANK Financial Overview slide image

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) ธนาคารกสิกรไทย 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 39 39 40 40
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