Hana Bank Uses AI for Corporate Loan Reviews... Draft Opinions Generated in Just 10 Seconds

AI Automatically Drafts Corporate Credit Evaluation Opinions
Independently Developed and Deployed Across All Branches

Hana Bank announced on March 18 that it has independently developed and fully implemented a generative AI-based "Corporate Credit Evaluation Review Opinion Generation System" across all its branches.

The core function of the system is to have AI analyze a wide range of data—including corporate financial statements, company information, and industry trends—to automatically generate draft review opinions required for the credit evaluation process of both external audit and non-external audit companies.

Previously, this work typically took more than 30 minutes on average. However, with the introduction of this system, a draft can now be automatically generated in about 10 seconds. Given that the annual volume of credit evaluations for external audit and non-external audit companies reaches about 70,000 cases, the bank expects to save more than 27,000 work hours per year.

A notable feature of this system is that it is an in-house model, with its algorithm independently designed and implemented by Hana Bank. Through collaboration among internal departments, evaluation guidelines from actual credit experts have been incorporated into the algorithm, allowing the system to standardize the generated review opinions and enhance their effectiveness.

Hana Bank plans to further expand the automation process to cover the entire spectrum of household and corporate loan evaluations, accelerating the bank's transition to AI-based credit operations (AX).

A representative from Hana Bank's AI Data Strategy Department stated, "The development of this system is significant in that it maximizes work efficiency through AI, increases productivity, and helps employees gain a deeper understanding of customers and companies." The representative added, "We will continue to incorporate feedback from the field to apply AI to a broader range of work areas and further develop the system in ways that provide tangible benefits to both branches and customers."

This content was produced with the assistance of AI translation services.