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dynamically manage credit risk while setting the direction of credit portfolio and business targets at customer and product levels on a continual basis. ACPM facilitates proactive management of credit risks on
ratio was also close to the target, at 43.96 percent. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As
circumstances. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK
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
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
(Public Organization) (TGO), and (2) rights under the contract for future revenue sharing of the projects under (1), in which case the land must be located in Thailand and at least is registered in the