Woori Bank Accelerates AI and Data-Driven Sales in Second Half... "Aiming to Narrow Gap with Competing Banks"

Woori Bank Holds 2026 Second Half Management Strategy Meeting
Customer Data Integration, Introduction of AI Agent, and Strengthening Internal Controls

Woori Bank has decided to strengthen its data-driven sales system in the second half of this year by introducing an artificial intelligence (AI) agent, aiming to enhance both sales capabilities and productivity.

On July 24, Woori Bank held its "2026 Second Half Management Strategy Meeting" at its head office in Hoehyeon-dong, Jung-gu, Seoul. The bank announced on July 26 that it shared its second-half business strategy and plans for execution, centered on data-driven sales, collaboration between business groups, and internal controls.

Jinwan Chung, CEO of Woori Bank, emphasized, "It is now time to turn the customer base we have built so far into actual profit. Rather than simply focusing on external growth, we must concentrate on building genuine sales competency that develops ongoing relationships with customers."

He continued, "Since more than 12,000 employees, accounting for over 90% of our workforce, are also shareholders through the employee stock ownership program, we must raise productivity and performance based on a sense of ownership and thereby enhance corporate value. In the second half, let us achieve clear results and dramatically close the gap with competing banks."

Woori Bank announced on the 26th that it will strengthen its data-driven sales system by introducing artificial intelligence (AI) agents in the second half of this year.

Woori Bank’s net income for the second quarter was 842.1 billion won, an 8.8% decrease from the second quarter of last year due to provisioning issues, but a 58% increase compared to the first quarter of this year. The bank attributed this result to the expansion of its customer base through increased partnerships with external platforms such as Samsung Wallet Money and N Pay in the first half of the year, as well as successful asset rebalancing.

Woori Bank’s Common Equity Tier 1 (CET1) capital ratio rose from 13.1% at the end of 2024 to 15.3% in June of this year, up 2.2 percentage points. In addition, global credit rating agency Fitch upgraded the bank's Viability Rating (VR) by one notch from 'A-' to 'A'.

In the second half of the year, Woori Bank plans to analyze public data, commercial area information, and customer status based on administrative districts, and redesign its business territory around administrative divisions. The bank also intends to further specify key performance indicator (KPI) targets to better match market conditions.

With 88.4% of customers transacting exclusively through non-face-to-face channels, Woori Bank plans to integrate distributed data sources and leverage them for marketing. The bank is also planning to introduce an AI agent to help field staff make effective use of data analysis results.

As part of the expanded use of data and AI, Woori Bank intends to reinforce its level of internal controls. A Woori Bank official stated, "We will thoroughly comply with standards and basic procedures for the use of customer information and establish preventive, risk-focused internal controls by reviewing the entire process of information management, including that involving external companies, in order to block potential business risks in advance."

This content was produced with the assistance of AI translation services.