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Consumer Banking

Since its establishment, KGI Bank has focused on personal banking with a wide range of financial services for all individuals. It continues to develop diversified and customized financial products that cater to various wealth management needs, and teams up with strategic partners to add value to its financial products and improve customer satisfaction. The bank offers comprehensive payment services and lines of credit, including personal loans, cash cards, credit cards and mortgage loans for the flexible use of funds. Meanwhile, product differentiation is provided for corporate clients. Moreover, the bank has developed pioneering consumer loans such as stock- and beneficiary certificate-based ones for securities and mutual fund account holders. With an eye on providing the best serve to clients, the bank has begun to transform and upgrade its banking services in compliance with the Financial Supervisory Commission’s (FSC) Bank 3.0 program to keep pace with the digital era. In addition to enhanced and increased online banking options through fintech, the bank also strives to offer multiple channels, convenience and efficiency for its financial products and services.
Since its establishment, KGI Bank has focused on personal banking with a wide range of financial services for all individuals. It continues to develop diversified and customized financial products that cater to various wealth management needs, and teams up with strategic partners to add value to its financial products and improve customer satisfaction. The bank offers comprehensive payment services and lines of credit, including personal loans, cash cards, credit cards and mortgage loans for the flexible use of funds. Meanwhile, product differentiation is provided for corporate clients. Moreover, the bank has developed pioneering consumer loans such as stock- and beneficiary certificate-based ones for securities and mutual fund account holders. With an eye on providing the best serve to clients, the bank has begun to transform and upgrade its banking services in compliance with the Financial Supervisory Commission’s (FSC) Bank 3.0 program to keep pace with the digital era. In addition to enhanced and increased online banking options through fintech, the bank also strives to offer multiple channels, convenience and efficiency for its financial products and services.The personal loan segment saw outstanding balances increase 4% YoY to more than NT$19bn in 2016, with its market share rising steadily. In expanding its personal loan business, the bank primarily targets on professionals and qualified office workers and offers loans at preferential interest rates; on low-net-worth individuals and entrepreneurs, it customizes products with a short turnaround time, including revolving credit, balance transfer and small business loans; and the bank also taps into its corporate banking channels to explore business opportunities in listed companies, government agencies, and educational institutions. With a segmented pricing strategy, it aims to widen and deepen its operations with different customer groups and the employees of their corporate clients.
 
As part of the Bank 3.0 initiative, KGI Bank offers online loan applications to expedite the process and expand into the young customer segment. Also, it continues to partner with various retail channels in integrating mobile payment, mobile internet, e-commerce and social networks to effectively develop its potential customer base.