Korea Eximbank Begins Comprehensive Overhaul of Credit Evaluation System

Advanced AI-Based Evaluations

Introduction of Dedicated Investment Models

The Export-Import Bank of Korea announced on April 21 that it has begun a comprehensive overhaul of its credit evaluation system to enhance its credit assessment work.

The credit evaluation system is a framework for preemptively measuring the risk of default by client companies. It serves as a core infrastructure for sound bank management, used in post-management tasks such as credit approval limits, interest rate calculations, and provisioning.

The Export-Import Bank of Korea plans to update its financial evaluation models to reflect current market conditions, strengthen the quantification of AI-based non-financial evaluations, and enhance its financial analysis capabilities to improve the discrimination and stability of credit ratings.

In addition, a dedicated credit evaluation model for investments will be newly introduced. Separate evaluation models will be established for direct and indirect investment types, and the assessment system for recipients of productive finance—such as venture businesses and startups—will be further refined by focusing on technological capabilities and growth potential. Furthermore, the bank will gradually implement measures to incorporate environmental, social, and governance (ESG) management information of client companies into credit evaluation items.

An official from the Export-Import Bank of Korea stated, "This comprehensive overhaul of the credit evaluation system will serve as a solid foundation for supporting our policy finance role," adding, "We will expand the practical foundation of productive finance by establishing a sophisticated credit evaluation system that allows companies with technological capabilities and growth potential to be properly assessed."

Meanwhile, as of the end of 2025, 88.6% of the bank's total loans are unsecured credit loans, yet the Export-Import Bank of Korea is maintaining soundness by keeping its Bank for International Settlements (BIS) capital adequacy ratio in the 17% range and its non-performing loan ratio below 1%.

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