The role of Korea Post in Financial Inclusion. Presented by Chinyong Chong CEO/Executive Vice President Savings Bureau, Korea Post
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1 The role of Korea Post in Financial Inclusion Presented by Chinyong Chong CEO/Executive Vice President Savings Bureau, Korea Post
2 CONTENTS Ⅰ. About Korea Post Ⅱ. Introduction of Postal Finance Ⅲ. The Role of Korea Post in Financial Inclusion Ⅳ. Cooperation between Korea Post and WSBI
3 History - About Korea Post (1) The Postal Directorate is established (Post+Telecom) Postal Deposit & Money Order Postal Insurance Transfer Postal Deposit to NACF * NACF: National agricultural cooperative federation Restart Postal Finance Postal Finance Bureau Establishment Korea Post Postal Savings & Insurance Bureau Post Savings Insurance Telecom
4 Organization - About Korea Post (2) KOREA POST General Service Division Inspector Division Public Relations Division Management and Planning Bureau Bureau of Post Postal Savings Bureau Postal Insurance Bureau Regional Post Office (9) Korea Post Officials Training Institution Korea Post Information Center Supply & Construction Office Of Korea Post Post Office (3,631)
5 Postal Finance in Korea Customer Channel Product 2,768 (Post Office) Amount ($1 Billion) Proportion (%) Savings 12.6 Millions (Savings) 3,548 (ATM) Demand 98, % Savings 516, % Total 615, % * Postal Savings : Rank #7 & M/S 4.0% Insurance 5.3 Millions 4,538 (FC for Insurance) Health & Accident Amount ($1 Billion) Proportion (%) 373, % (Insurance) Savings 87, % 3 million (Smart banking) Total 461, % * Postal Insurance : Rank #5 & M/S 7.0%
6 Financial status (2013) (Unit: $ 1 million, $1=Approximately 1,000 KRW) [ Balance sheet ] [ Income Statement ] Asset Liability Income 2,807 Savings 66,961 62,732 Capital Savings Expense 2,668 4,229 Profit 139 Asset Liability Income 10,634 Insurance 46,127 44,306 Capital Insurance Expense 10,361 1,821 Profit 273
7 Postal finance in Financial Inclusion Definition of Financial Inclusion 1 Full financial inclusion is a state in which all people who can use use them have have access to a to full a full suite suite of quality of quality financial financial services, services, provided 2 provided at affordable at affordable prices, in prices, a convenient in a manner, convenient and manner, with dignity and for with the dignity clients. for Financial the clients. services Financial are delivered services are by a delivered range of by a providers, range of providers, most of them most private, of them and private, reach and everyone reach 3 everyone who can use who them, can use including them, disabled, including disabled, poor, rural, poor, and other rural, excluded and other populations excluded populations The role of Korea Post in Financial Inclusion 1.Access to Finance (Universal Finance) 2.Smart mobilization (Channel Strategy) 3.Microfinance (1 st Microinsurance)
8 Postal finance in Financial Inclusion (1) Access to Finance (Universal Finance) All people who can use them have access to a full suite of quality financial services by Post Office [Branch distribution by region] [Partnership with others] Post Office Commercial Banks Classification # of alliance Company No of Office 2,768 7,651 Branch Sharing 20 Alliance Card Service 7 1 Rural 1,507 (54.4%) 672 (8.8%) Urban 1,261 (45.6%) 6,979 (91.2%) Opening Stock Account 17 Bill Payment 167 Automatic Machine Service 19 e-financial Service 5 Total 235 Company
9 Postal finance in Financial Inclusion (2) Smart Mobilization (Channel strategy) Postal financial service provided at affordable prices, in a convenient manner, and with dignity for the clients Smartphone Banking Product Outreach Financial Service Website & ATM Renovation Puzzle Mission My Goal: Marriage fund Puzzle installment Deposit
10 Postal finance in Financial Inclusion (3) Microfinance (1 st Micro-insurance) Everyone can use Postal financial service, include disabled, poor, rural, and other excluded populations Disabled Voice support (Home page), Sign language (Call center) Premium free Insurance product Poor Micro-Insurance Public utility fund Rural Financial education Prime rate in Savings product
11 Korea Post & WSBI Special thanks to influence development of all member institutions - Providing advanced retail banking business models - Great concern about postal finance institutions - Variety support to spread financial inclusion Foster to cooperation between WSBI and Korea Post - Strength global cooperation system of all member institutions - Find new business model for sustainable growth - Joint research with WSBI
12 THANK YOU!
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