NH Nonghyup Bank said on Dec. 3 that its AI Gamriyeok and EW-AR technologies have been registered with the Korean Intellectual Property Office as the first patented case in the financial sector that standardises an AI-based credit audit process.

The two technologies are core modules of the bank's AI-based credit audit system built this year. AI Gamriyeok quantifies an auditor's judgment with AI. It automates screening and evaluation of high-quality borrowers and improves accuracy and efficiency.

EW-AR is an indicator that uses modern machine learning. It strengthens early warnings to predict and identify distressed borrowers quickly and enhances detection performance.

The bank plans to use the patent to support development of an AI risk‑management ecosystem across the financial sector. It plans to start developing AI Gamriyeok 2.0 next year to complete an Agentic AI-based automated audit and monitoring framework.

Bank chief Kang Tae-young said the AI-based credit audit system will support customer growth through data-driven, proactive risk management beyond simple default prevention. He said the bank will expand AI technology across major operations to raise accuracy and speed in risk management.