ธุรกิจ ภำยใต้ชื่อ “อำฟเตอร์ ยู” • สินค้ำซื้อกลับบ้ำน (Take-home product) ที่ขำยภำยใต้สำขำร้ำน ขนมหวำนและภำยใต้ “After You Marketplace” ตลอดจนกำร สั่งซ้ือผ่ำนบริกำรส่งอำหำร (Food delivery services) (สัดส่วน

startup firms for enhancement of our business capabilities to achieve sustainable growth while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity

sector remained challenged by new modes of competition in a broader marketplace amid the advancing digital age and its rapid pace of technological advancement. Businesses have also had to cope with Thai

regulators, credit rating operate and the manner in which opinions of CRAs should be used by market participants. The IOSCO CRA Principles address four key objectives that are designed to promote informed

ensure that KBank’ s business can maintain healthy growth within appropriate risk limits under normal and stress scenarios. 11  Development of risk management system and framework for capital market and

in line with income from investments, an increase in net premiums earned - net, and revenue from capital market products. Nonetheless, given one extraordinary item – an increase in retirement reserves

2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance

effectiveness of pandemic control and vaccine development, the economic damage may be worse than what was seen during the 1997 financial crisis. Given volatility in the financial market and real sector which had

greater market share. KASIKORN ASSET MANAGEMENT CO., LTD. remained at the top of the mutual fund business. KASIKORN LEASING CO., LTD. saw satisfactory lending business volume in line with the overall