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capital requirements in 2019, and preparations for International Financial Reporting Standards (IFRS9), as well as development of digital platform to help expand customer base and income from financial
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and business opportunities in each individual sector and area across all industries. In parallel, we focused on the development of technological solutions with the aim of becoming “Customers’ Life
3.1 Sustainable Development and Corporate Governance 9 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK 10 3.3 Customer Segments and Services 11 3.4 Service