customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. Focus has been on formulating area- based lending strategies to match the different natures of businesses in

formulating our strategies and business undertakings to support business growth. This is to ensure sustainable profitability and maximize stakeholders’ returns. KBank’s risk management strategy has been

Management levels. Potential risks are taken into account when formulating our strategies and business undertakings to support business growth, thus ensuring sustainable profitability and maximization of

policy and risk appetite, and risk management has taken into account when formulating our strategies and business undertakings to support business growth. This is to ensure sustainable profitability and