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With a customer base that includes approximately half of South Korea's adult population, Kookmin Bank (KB) has a dominant position in the country's banking sector, the third largest in Asia. To expand its customer base, Kookmin is concentrating on high value customers through cross-selling based on integrated customer relationship management. Two interlinked strategies have been critical to Kookmin's pursuit of these goals. One is to diversify its revenue sources, and the second, to improve its risk management. KB chose SAS software to integrate its credit risk management procedures, which had previously been separated from the business lines.

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