Case Study: One of the Largest Regional Banks in ASEAN

Overcoming Time to Market and Cost Challenges In A Cross Border Group Structure

Client’s Challenge
High operating costs and extensive manual processes and monitoring.

Solutions Recommended and Implemented

  • Solution designed to help banks reduce loan processing costs while maintaining credit quality, and provide efficient and professional services to meet their customers’ borrowing needs
  • The progress of applications can be tracked online and routine work automated, freeing the bank’s officers to sell loans and to focus on credit judgment
  • This system fully integrates with existing banking systems, credit databases and credit bureaus in Singapore and Hong Kong
  • Web based solution to facilitate cross border loan application status and sales monitoring

Key Benefits

  • The bank achieved a high degree of straight-through processing and automation in its lending processes
  • The service levels experienced by the bank’s customers include a 4-hour loan approval decision and next day disbursement
  • The bank made significant gains in market share and currently dominates the market in auto and mortgage lending in Singapore
  • Internally, the bank also experienced a reduction in the number of people required for approval and back office processing even as lending volumes increased
  • With the support of Theta loan origination system, the bank received approval from the central banks in Singapore and Hong Kong to adopt the Basel II IRB approach for capital requirements


  • Credit process consultancy and process re-design
  • Fully integrated and automated credit workflow system

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