STRATEGIC UPDATES ADVERTISING PAYMENT LOGISTICS Transit & Office Outdoor Airport Activation Offline & Online Payment Market Place Micro Loan Smart Delivery 1) ADVERTISING - BUILDING AN INTERNATIONAL NETWORK
-performing loan (Gross NPL) /1 96,524 83,941 78,093 15.0% 23.6% Gross NPL to total loans ratio /1 4.0% 3.5% 3.4% 0.5% 0.6% /1 Including interbank and money market lending /2 Before the adoption of the TFRS 9
the Capital Market Business. 2 law on loan interests of financial institutions means Loan Interests of Financial Institutions Act B.E. 2523 (1980) 3 In this Division 1, the meaning of word “management
has obtained an approval from the SEC Office in accordance with the Notification of the Capital Market Supervisory Board concerning Rules on Personnel in the Capital Market Business. 2 law on loan
currencies. With intense competition in the personal loan market, KBank offered reduced interest rates to target groups and highlighted interest rates calculated on a daily basis to differentiate ourselves
, competition in the home loan market became more intense, which could potentially jeopardize the economic and financial system as a whole. Under these circumstances, KBank has closely monitored trade
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
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
at home as well as in foreign currencies, and to facilitate customers in redeeming their KBank Reward Points via K+ Market - a new channel provided by KBank. Regarding K-Personal Loan, KBank continued