endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the
exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential
stringent customer approval criteria for commercial lending policies vis-à-vis small and micro businesses. We continued to prioritize risk assessment through prudent screening and close monitoring of
’ Life Platform of Choice”, we have upgraded our capability in data compilation and analytics, allowing us to understand and anticipate each individual customer’s needs under the “Segment of One” while
extended our aspiration to become the most-preferred platform that can meet customers’ needs in every aspect of their lives. All of these endeavors aim to understand and anticipate each individual customer’s
risk assessment through prudent screening and close monitoring of borrowers. At the same time, KBank has focused mainly on borrowers with good track records, as well as existing low-risk customers
services via PromptPay for e-Money transactions are secure, accurate, trustworthy and in compliance with standards. For instance, registration must be prudent, with prerequisites in place including Know-Your
individual, and shall be allowed to undertake a derivatives business only after a license from the SEC has been obtained. Any derivatives business operator which is a legal entity under Section 17 and engages
ratio in this quarter stood at 49.31 percent. KBank also set aside a higher expected credit loss of Baht 3,047 million compared to the preceding quarter, with prudent consideration of factors in line with
, “Management Report”. B prudent consideration on factors in line with uncertainties stemming from the continued economic slowdown. At the end of 2019, our robust capital position was sufficient to cushion