Hana Bank said on Dec. 31 it will introduce an AI pension investment withdrawal solution service that provides systematic return management during the pension withdrawal period, the first such offering among banks.

The AI pension investment withdrawal solution is a service that provides operational strategies for the withdrawal stage, including AI portfolio proposals, to help customers with individual IRP accounts secure stable cash flow during the pension withdrawal period in line with their withdrawal goals.

The service uses goal-based investing (GBI) developed in-house in collaboration with the Hana Financial Convergence Technology Institute, an internal company-in-company (CIC) unit of Hana Financial TI. It features the development of a pension management model spanning customers' entire life cycle, including newly developing a deposit product recommendation model, upgrading an asset allocation model, and shortening the rebalancing cycle with scenario-based verification.

Hana Bank plans to provide various investment strategies that comprehensively reflect each customer's pension withdrawal goals, such as withdrawal period, frequency and amount, as well as the scale of pension assets, risk preference and market conditions.

It also plans to sequentially launch non-face-to-face services in the first quarter of 2026 to expand access for customers who find it difficult to visit branches.

An official at Hana Bank's pension product support department said the newly introduced service enables customized asset allocation by asset type and is expected to allow a close response to changes in market conditions through rebalancing on a six-month cycle.