processes and econometric models for stress testing to ensure that KBank’s business growth is within the approved risk limit while improving efficiency in our risk and loan loss reserve management as well as

goals as expressed in the United Nations Sustainable Development Goals and the Paris Agreement on Climate Change. In addition, the Corporate Governance Committee approved the 2020 sustainable development

Bankers’ Association and the Bank of Thailand in producing a Service Level Agreement for the Banking Industry (Industry SLA) as a set of industry-wide service standards for meeting customer expectations

.  Credit Risk Management Credit risk refers to risk whereby a counterparty or borrower may default on contractual obligations or agreements, or have an intention not to abide by an agreement, resulting in