Consumer Discretionary 15.6 Information Technology 7.3 Health Care 6.9 ช่ือทรพัยสิ์น % ของ NAV ค่ำธรรมเนียม สูงสุดไม่เกิน เกบ็จริง กำรจดักำร 2.14% 1.605%* รวมค่ำใช้จ่ำย 6.22% 1.9581%* ค่ำธรรมเนียม สูงสุดไม่

, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has established business direction primarily by considering the balance of three dimensions – economy, society

right time with ever-greater consideration of consumer protection and customer privacy, taking into account the changing customer expectations. Along with this, we focus on predictive risk management

introduced customized financial services and innovations that provide greater customer convenience, speed and reliability with ever-greater consideration of consumer protection and customer privacy. Being

customer expectations, consumer protection and customer privacy. Beyond these strategies, we focus on predictive risk management with the aim of maintaining KBank’s stability as a leading financial

new trends of consumer behavior, the line of business operations between commercial banks and other businesses has become less distinct. Of late, players in e-commerce, retail, telecommunications

2020, decreased. At the end of 2018, loans in the commercial banking system were 6.0 percent higher than at the end of 2017, in line with an increase in consumer, SME and corporate loans, which expanded

well as the decline in global oil prices; these circumstances did not decrease the price of consumer goods in the country and the public were cautious of spending. Consumption of goods and services have

also due to a decrease in interest rates. Nevertheless, loan demand for investment declined, both for fixed investment and inventory buildup purposes. Demand for consumer loans declined in all categories

such as tour package. Further, in March and April 2020, which is in the Covid-19 situation, more people stay at home and the watching of TV increases accordingly. The change of consumer behavior directly