KB Kookmin Bank said it will operate stricter internal management standards across the entire loan process to strengthen financial consumer protection.

The measures focus on stronger monitoring using the Consumer Protection Quality Index (CPQI), improving management systems for financially vulnerable groups and revamping a consumer-protection pre-checklist. The bank said the steps are aimed at reflecting customers’ repayment capacity and transaction suitability more precisely.

The bank will add key credit indicators to CPQI this month, including new loan status for older people and first-time workers, and changes in delinquency rates, to strengthen anomaly detection. CPQI is an internal management index that uses data to assess consumer protection levels and supports a rapid response when irregularities occur.

It will also strengthen loan management for financially vulnerable groups. The bank plans to move beyond collateral-focused screening and expand verification of borrowers’ actual debt repayment ability to prevent excessive borrowing, while operating a tailored management system that reflects customer characteristics.

At the consumer-protection pre-consultation stage, it will revamp the checklist to strengthen verification. It improved related processes so customer-focused review items are mandatory when establishing loan products and policies on interest rates and fees.

A KB Kookmin Bank official said it was important to pursue consumer protection and the expansion of inclusive finance in a balanced way. The official said the bank would continue to strengthen practical protection systems from the customer’s perspective.