, including Thailand, going forward.  Market Risk in Trading Book Activities KBank’s trading activities are exposed to interest rate, foreign exchange, equity risks and credit spreads. Moreover, KBank has

trading in global market, resulting in the global palm oil stocks to rise; while Thailand palm oil situation was also heading in the same direction as well. 3. Gross profit declined from the same period of

growth and returns while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity” and making KBank the Customers’ Main Bank for all eight customer

enhancement of our business capabilities to achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customer Centricity”, KBank has extended

of Conduct and Anti-Corruption Policy via the KBank e-Learning system  Encouraging employees to attend market conduct training courses  Communicating to employees for prevention of insider trading We

stance will bring confidence, and help fostering market mechanism and standard practices that they can follow. For investors, appropriate regulation can incentivize market solutions to help investors

cause volatility in both money and capital markets at any time. This is despite the success of an agreement to “Phase One” of the trade deal, reached in January 2020.  Market Risk in Trading Book

sufficient foreign reserves, will help contain any capital outflows.  Market Risk in Trading Book Activities KBank’s trading activities are exposed to risks of interest rate, foreign exchange, equity and

achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customers’ Life Platform of Choice” along with “Customer Centricity”, KBank has

Competition 1 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 3. Business Directions and Operations of