as commercial banks are expected to maintain a cautious stance in their business operations, especially through a proactive approach in asset quality management. Over the short term, however, they may

เชิงรุก (proactive) เช่น ความพยายามเข้าถึงหรือใช้งาน ระบบสารสนเทศที่ผิดปกติ ซึ่งจะช่วยให้สามารถ เตรียมพร้อมรองรับความเสี่ยงดังกล่าว ได้อย่างทันต่อเหตุการณ์ ทั้งนี้ ผู้ประกอบธุรกิจ อาจใช้เคร่ืองมือหรือ

Cambodia and to connect payments between Cambodia and Thailand; and the revision of policies and principles governing housing loans in Thailand as a proactive measure to promote financial stability, etc. 5

the growth plan, the company has planned to use proactive strategy to run power innovation and utility business under PTT Group (The Innovative Power Flagship of PTT Group) that will continuously grow

consumer protection and customer privacy, taking into account the changing customer expectations for greater convenience and speediness over omni-channel. Beyond the above strategies, we focus on proactive

processes at KBank and K Companies, these actions are consistent with economic circumstances and rapid changes in the prices of financial assets. We continue to emphasize proactive risk controls via the

Fixed Income Proactive Fund (K-FIXEDPRO). Meanwhile, we recommended five top-performing funds based on Morningstar Rating in each fund category as investment alternatives for our customers. To elevate THE