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Branch Banking

The Branch Banking is divided into three
services: Financial Instruments,
Emerging Corporate, and Branch
Service. The Financial Instruments
provides a wide range of products
and services to satisfy customer needs,
such as deposit, mortgage, investment,
insurance, and emerging corporate
finance. It also maps out and executes
strategic plans for the bank’s virtual
channels (including the internet and
mobile banking) and promotes all the
bank’s products and services to achieve
business goals. The Emerging Corporate
provides access to operating capital to
SMEs with high potential but inadequate
collaterals. The Branch Service, on the
other hand, is responsible for managing
the operation and services of all branches.
Following the bank’s business strategies
and regulations, the Dept. carries out
business plans and evaluates the
performance of sales to help all
branches achieve various business
targets.
KGI Bank always adopts a cautious approach to asset management and helps clients properly distribute investment through various products, such as non-discretionary money trust investment funds, ETF, and foreign bonds. To protect clients’ personal and property safety, KGI Bank also provides property/life insurance products such as interest-sensitive life insurance/annuity insurance, increasing/ROP whole life insurance, investment-oriented insurance policies, and health and accident insurance.

For its deposit services, KGI Bank sets up collections and payment transfer platforms to facilitate clients with strong demands for cash flow transactions to increase funds in their demand deposit. KGI Bank also provides Renminbi (RMB) deposit services to satisfy customers’ need to diversify currency portfolio. For its lending services, in addition to satisfying the capital needs of existing customers, KGI Bank provides mortgage solutions to premium customers to address their various wealth management needs. It also provides emerging corporate loans to increase spread income and capital interflow for the bank.

In response to the development of mobile banking and Bank 3.0, KGI Bank will strengthen its services on the online and mobile banking, and enhance functions for mobile ATM cards. While continuing to deliver services though physical branches, it will also go digital and paperless to serve new segments. In addition to enabling convenient, safe, and real-time financial transactions, transfer, and consumption, KGI Bank will develop more mechanisms to interact with customers via virtual channels. It will integrate physical and virtual channels to increase customer loyalty, reduce operating costs, and enhance overall customer contribution.