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dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. Guided by the Customer Centricity strategy and our resolution of

leveraging of our strength as Thailand’s number-one digital banking provider, with the aim of becoming the Customers’ Life Platform of Choice under our core strategy of Customer Centricity for our business

increased degree of uncertainty in global economies and trade policies, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Acting upon our strategy of strengthening

Board of Directors approved the strategy of operating our business as a Bank of Sustainability under appropriate risk management and good corporate governance, while maintaining a balance in economic

with severe and significantly complex digital risk and cybersecurity challenges, we have established a Digital-Oriented Risk and Cyber Security Risk Management Framework in alignment with the strategy of

second quarter of 2019, KBank continued to adhere to our “Customer Centricity” strategy, being attentive to the uncertainties of the domestic and global economy, sustaining our customers’ business and

expansion strategy is to have nationwide service points for expanding its customer base. LH Financial Group Public Company Limited Management Discussion and Analysis for the Second Quarter ended 30 June 2017