Creating the Future of Finance - Breakthrough Innovation
Post Approval
Approval Process
K
KASIKORNTHAI
KBank Credit Approval Process
Corporate
Credit Underwriting Dept.
Policy Lending
⚫ Sufficiency of cash flow
• Growth trends and ability to compete
• Management experience and depth
SME
(Medium)
Leverage, Liquidity, Asset Quality, ESG factors
⚫ Credit Risk Mitigation
• Facilities Structure
SME
(Small & Micro)
Retails
(Housing)
SME Credit and Housing Loan Approval Dept.
Formula Lending
Customer Integrated Credit Scorecard
• Application Score
⚫ FICO Score
⚫ Bureau information/Credit history
⚫ Debt service capacity
• LTV
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Retail
(Unsecured Loans)
Payment Service Fulfillment Department
Formula Lending
• Customer Integrated Credit Scorecard
• Application Score
• Transactional Score
• FICO Score
• Bureau information/Credit history
⚫ Debt service capacity
⚫ Legal document
• Limit set up
Credit Service Fulfillment Dept.
Payment Service Fulfillment Department
⚫ Legal document
⚫ Limit set up
Bank-wide Risk Asset Review
Asset Quality Management Operation Dept.
• Customer Review by Relationship Manager (RM)
⚫ Credit Monitoring and Asset Management 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-based collection
Note: FICO Fair Isaac Corporation
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K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
KBank Credit Risk Management Process: Collection and Recovery
Collection & Recovery Flow
■ Efficient collection and follow-up of customers with late payments
■Restructure viable customers to prevent NPLs
■Foreclose pledged assets to recover loan loss
Debt Resolutions
Performing Loans
Process
Non-Performing Loans
Move to Better Status
Move to Worsen Status
Litigation Process
Performing
Loans*
Debt
Collections
Rescheduled Loans*
(Financial Aid Program)
Repayment of
Rescheduled/
NPL**
Restructured
Term
Loans with
DPD > 1 day
go to debt
collection
stage
Restructured Loans
(Not classified as NPL)
Relapsed NPL
Write-off
↓
NPL Sales
Note:
* Rescheduled Loans are loans (no passed due date) that have changed payment conditions and not incurred losses. (Loans in the Financial Aid Program is a part of Rescheduled Loans)
* Financial Aid Program helps customers during the bad macro business condition such as the big flood in 2011, the political unrest in 2014 and COVID-19 in 2020.
* Performing loans = Pass Loans (loans passing the due date by less than 1 month) and Special Mention Loans (loans passing the due date by more than 1 month but not over 3 months)
** NPLs = Non-performing Loans = loans passing the due date by more than 3 months = Sub-standard Loans, Doubtful Loans, Doubtful of Loss Loans, and restructured loans classified as NPL
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