KB Kookmin Bank announced on April 14 that it will operate internal management standards for the entire loan process at a level significantly higher than before to better protect financial consumers.
This measure aims to more closely reflect customers’ repayment ability and transaction suitability through measures such as strengthening monitoring using the Consumer Protection Quality Index (CPQI), enhancing the management of loans for vulnerable groups and reorganizing a consumer protection checklist.
First, in April, KB Kookmin Bank will add key lending indicators such as the status of new loans to the elderly and young people, delinquency growth rates to the Consumer Protection Quality Index (CPQI) to strengthen the monitoring of abnormal signs.
The CPQI is a management indicator that checks the level of consumer protection based on data and supports a rapid response when abnormal signs begin to appear.
KB Kookmin Bank announces on April 14 that it will operate internal management standards for the entire loan process at a level stricter than before to protect financial consumers.
In addition, loan management targeting financially vulnerable groups will also be strengthened.
KB Kookmin Bank will prevent excessive borrowing by expanding the verification of actual debt repayment capacity rather than focusing on collateral and to operate a customized management system that takes customer characteristics into account.
KB Kookmin Bank will strengthen the pre-verification function by revamping the checklist during the pre-consultation stage for consumer protection.
The lender will improve related processes to ensure that headquarters departments can mandatorily pre-check matters that must be sufficiently considered from a customer perspective when establishing policies for loan products, interest rates, and fees.
Productive and Inclusive Finance Based on SCB
KB Kookmin Bank announced that it will participate in a pilot financial support project utilizing the Small Business & Self-Ownership Credit Bureau (SCB) organized by the Financial Services Commission (FSC) in Korea.
The FSC plans to run a pilot project with KB Kookmin Bank for approximately one year in conjunction with the launch of SCB services this coming August.
During this pilot project, the bank will play an active role in expanding financial support for small business owners and will take the lead in practicing productive finance and inclusive finance.
The SCB evaluates the creditworthiness of small business owners based on business value and future growth potential such as sales trends and operational performance, moving away from existing evaluation methods centered on individual creditworthiness or collateral.
Furthermore, by comprehensively reflecting various non-financial data such as sales changes, customer reviews, and commercial area analysis, it is expected that small business owners with low to middle credit ratings who previously struggled with evaluations based on financial information, will be able to improve their credit ratings.
During the pilot operation period, KB Kookmin Bank will provide customized benefits based on SCB ratings such as preferential interest rates and increased loan limits, focusing on representative business loan products like “KB Ilsacheoli Loan” and “KB Together Loan.”
Productive Finance Support for Companies Affected by Middle East Crisis
KB Kookmin Bank announced that, together with the Korea SMEs and Startups Agency (KOSME), it will run the Preferential Program for Companies Utilizing KOSME Policy Funds to promote productive finance worth 6 trillion won starting on April 13.
This Productive Finance Preferential Program is part of KB Financial Group’s KB Kookmin Happiness Growth Project and was established in accordance with the “Memorandum of Understanding for Strengthening the Supply of Productive Finance to Small and Medium Enterprises and Enhancing Global Competitiveness” signed by both organizations in 2025.
The beneficiaries are companies utilizing policy funds. KB Kookmin Bank will provide special interest rates with a limit of 6 trillion won to these companies through the Productive Finance Preferential Program.
In addition to special interest rates, companies eligible for the Special Contribution Agreement Guarantee will have a guarantee ratio of 100% applied for three years and will receive a guarantee fee cut of up to 0.3%, while companies eligible for the Guarantee Fee Support Agreement Guarantee will receive guarantee fee support of 1.0% per year for two years.
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