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[Asia Economy Reporter Kim Hyo-jin] K-Bank, which is about to increase its capital by approximately 400 billion KRW, appears to be rapidly approaching the normalization of operations such as new loans.
According to the banking sector on the 5th, K-Bank renewed its WorkplaceK Credit Loan, WorkplaceK Overdraft Account, SlimK Credit Loan, and General Household Credit Loan on the 2nd. Accordingly, the WorkplaceK Credit Loan was renamed to 'Credit Loan,' and the WorkplaceK Overdraft Account was renamed to 'Overdraft Account.' The credit loan limit increased by 100 million KRW from 150 million KRW to 250 million KRW.
The SlimK Credit Loan, which attracted much interest from medium-credit customers, was also renamed to 'Credit Loan Plus.' New subscribers to Credit Loan Plus are exempt from early repayment fees. The General Household Credit Loan was changed to 'Individual Business Owner Credit Loan.' The maximum limit for the overdraft account method was raised from the previous 30 million KRW to 50 million KRW. Both repayment methods?equal principal and interest installments and overdraft account?now have a unified maximum limit of 50 million KRW.
Earlier, on the 1st, K-Bank simultaneously launched the 'Plus Box' service, which accumulates interest even if deposited for just one day, and the 'MY Deposit and Withdrawal Account.' Plus Box offers daily interest benefits with no conditions for deposits held even for a single day, and additional deposits can be made anytime when surplus funds are available. The interest rate is 0.70% per annum, and the limit is up to 100 million KRW. Along with this, sales of the 'DualK Deposit and Withdrawal Account' were discontinued, and the 'MY Deposit and Withdrawal Account' is provided as the new deposit and withdrawal account.
K-Bank plans to complete internal reorganization as quickly as possible, focusing on launching new products. K-Bank, which had been unable to conduct new loan operations due to funding difficulties, will soon secure 396.6 billion KRW in funds through capital increases by major shareholders such as BC Card, Woori Bank, and NH Investment & Securities. This will increase K-Bank's capital to 901.7 billion KRW.
In line with this trend, K-Bank is recruiting experienced personnel in eight areas: ▲ banking app quality management ▲ UX planning ▲ UX design ▲ post-loan management policy ▲ anti-money laundering monitoring ▲ anti-fraud ▲ general affairs ▲ credit risk management.
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