字級縮小
字級縮小
字級放大
字級放大

Consumer Banking

Consumer banking takes a customer-
centric approach that aims to
provide specialized products to
clients with different exposures.
Products are structured in
accordance with clients’ risk
appetites and rigorous risk
management has been enforced to
enhance superior asset quality.
To capitalize on the cross-selling
opportunities, KGI Bank leverages
its channel resources and e-banking
platform to further enhanced and
maintained client relationships.
To ensure the efficiency and quality
of the services provided to clients,
IT system is updated on an ongoing
basis.
Since KGI Bank re-launched its personal loan business in 2010, the total lending volume has grown 13.83 times, and the loan balance surpassed NT$17 billion. With the highest lending growth rate in Taiwan, KGI Bank’s market share continues to grow steadily. In expanding its personal loan business, the bank primarily targets professionals and qualified office workers to provide customized products and services such as balance transfer and various payment options. A variety of seasonal programs are launched for different special occasions such as tax payment services and personal loan solutions services around national holidays. KGI bank also taps into its corporate banking channels to explore business opportunities in listed companies, government agencies, and educational institutions. Meanwhile, the bank adopts segment pricing for different customer groups and enhances cross-selling opportunities so as to increase other product holdings, such as deposit accounts, dual-card (credit card and cash card) accounts, and mortgages.
 
In response to emerging Bank 3.0 business landscape, KGI Bank will provide versatile online application options and streamline end-to-end process to acquire younger generation. Big Data analytics will be adopted to improve customer acquisition effectiveness, reduce costs, and manage asset quality more efficiently. The analytics can also be utilized in conjunction with multi-structured data on the mobile Internet, e-commerce platforms, and social networks to reach out to potential customers. Based on its strengths and experience in retail banking, KGI Bank has setup up to march into the Chinese market to provide better products and services to customers across Taiwan Strait and explore vast potential profit.