and our customers both directly and indirectly. KBank has emphasized synergy with K Companies, strategic partners and startup firms for enhancement of our business capabilities to achieve sustainable

achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customers’ Life Platform of Choice” along with “Customer Centricity”, KBank has

sustainable growth and returns while maintaining our market leadership under sound corporate governance and appropriate risk management. Guided by our core strategies of “Customer Centricity”, KBank has decided

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

the enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership over the long term through collaboration and synergy with other companies within

enhancement of our business capabilities to achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customer Centricity”, KBank has extended

Core Businesses 7 3.1 Sustainable Development and Corporate Governance 7 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK 8 3.3 Customer Segments and Services 8

 Digital Risk Management 18  Strategic Risk Management 19 3. Business Directions and Operations of Core Businesses 21 3.1 Sustainable Development and Corporate Governance 21 3.2 Business Directions of

2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 3. Business Directions and Operations of Core Businesses 7 3.1 Sustainable Development and Corporate Governance

. Business Directions and Operations of Core Businesses 10 3.1 Sustainable Development and Corporate Governance 10 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK 11