Regulations and Rules related to Business Operations 2 2. Risk Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk Management 7 2.3 Liquidity Risk Management 8 2.4 Digital Risk 8 3
and liquidity, both short- and long-term, to ensure that we adopt proper fund-raising strategies. 2.4 Cyber Risk Management KBank always prioritizes cyber threat and digital risk management. To cope
advancing digital age. For operating income in 2017, most commercial banks could maintain net interest margin (NIM) due to overall effective cost management despite the deteriorating quality of loans granted
the total 108 branches, decreased by 20 branches when compared to those of the year 2018 due to the bank’s plan for branches’ merger to align with the digital society. Information Security Management
the total 111 branches, decreased by 17 branches when compared to those of the year 2018 due to the bank’s plan for branches’ merger to align with the digital society. Information Security Management
Limited has the total 116 branches, decreased 12 branches when compared to the year of 2018 due to the bank planned for branch merging according to the digital society. Information Security Management
branches when compared to those of the year 2018 due to the bank’s plan for branches’ merger to align with the digital society. Information Security Management System Standards’ Certificate (ISO/IEC 27001
customers. Given the cancellation of service fees and our broader customer base – now surpassing 15 million – the number of digital transactions is expected to grow steadily, thus slashing our cash management