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customer engagement in order to reinforce our digital banking leadership, in support of the national policy of making Thailand a cashless society, we launched a “No Fees” campaign for funds transfer, top-up

AQIs ) 1 % 2564 2563 1 (Leadership Responsibilities for Quality within the Firm) ( ) (1) 2 (Relevant Ethical Requirements) ( ) (3) 3 (Acceptance and Continuance of Client Relationships and Specific

2562 1 (Leadership Responsibilities for Quality within the Firm) ( ) (2) 2 (Relevant Ethical Requirements) ( ) ( ) 3 (Acceptance and Continuance of Client Relationships and Specific Engagements) (1) (3

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heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership

startup firms for enhancement of our business capabilities to achieve sustainable growth while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity

growth and returns while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity” and making KBank the Customers’ Main Bank for all eight customer

Baht volatility and international capital movements. Within this context, KBank has accentuated enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership

consequences, and thus ease potential problems from lending, comprise four major elements, namely leadership and responsible lending commitment, stakeholder engagement, internal implementation mechanisms, and