Corporate

• Overview of business: Loan for funds required for business operations, for example, the purchase of raw materials. The maximum loan period is 3 years.
• Loan Limit: The amount is obtained by subtracting any operating loans received from other banks, within a certain rate of the operating fund required for one turnover (in the case of outstanding small and medium sized companies, 40% of estimated sales is available).
• Interest rate on Loans: Determined through negotiation with customers within a range that does not exceed the lower limit of the loan interest rate set by the People’s Bank of China.
• Collateral Method: Guarantee, Mortgage, Pledge Creation
• Repayment Method: Bullet Payment, Installment Payment

• Overview of business: 3 to 8 year long-term loan for the funds required to establish a new or additional factory or purchase relevant equipment
• Loan Limit: Within 100 percent of the required funds
• Interest rate on Loans: Determined through negotiation with customers within a range that does not exceed the lower limit of the loan interest rate set by the People’s Bank of China
• Collateral Method: Guarantee, Mortgage, Pledge Creation
• Repayment Method: Installment Payment

• Issuance of bills: Issuing KDB Bank bills for the settlement of payment for raw materials purchased by the company
• Acceptance of bills: Accepting bank-guaranteed bills that were issued to companies as payment for product sales
• Loans Secured by Export L/C: Providing loans for operating funds such as the cost of purchasing raw materials, which are secured by an Export L/C issued to a corporation for overseas sales of products

• Providing guarantees on various loans that may be generated to a corporation during the course of business, such as a guarantee on payment of principal and interest or a performance guarantee for construction

• F/X forward, Currency swap, Interest swap

• Issue of import L/Cs, Acceptance of domestic import L/Cs, purchase of export bills, L/C Notices, Document against Acceptance (D/A) and Document against Payment (D/P) operations, Corporate foreign exchange and remittance, and others (Currency Available: RMB, USD, EURO, JPY etc.)
• Providing prime RMB/KRW exchange rates as a market maker

Provision of various consulting services for corporate finance in connection with the KDB Bank headquarters or subsidiary companies of the KDB Financial Group, which includes Initial Public Offerings (IPOs) of companies in the Korean or Chinese market, Chinese market research for companies that want to do business in China

• Loan consulting, Borrowing request → Review → Approval → Contract → Loan payment

  1. ① Loan consulting, Borrowing request

     A business plan and other documents for introducing the company shall be prepared for consultation with the branch.

  2. ② Review

     The branch will perform a preliminary review of loan eligibility, credit standing, and the business plan. Then, a review on loans of USD 5 million or less will be requested to the branch committee, and a review on loans of USD 5 million or more to headquarters.

  3. ③ Approval

     A feasibility study, technical analysis, and the likelihood of repayment will be reviewed. Then, approval or rejection of the loan request will be determined and notified in accordance with a predetermined procedure.

  4. ④ Contract

     The contract for the loan will be made with the customer in accordance with the conditions of approval.

  5. ⑤ Loan payment

     Facility fund loans will be paid in accordance with construction progress, and operating loans will be paid in accordance with relevant laws and regulations in China.