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other challenges remain. They include fast-changing technology, wherein non-bank players are joining the fray and playing an increasing role in the market as alternative service providers for consumers
. Nonetheless, the business sector remained challenged by new modes of competition, the broader marketplace amid the advancing digital age, regulatory changes, the rapid pace of technological advancement and fast
business operations. Other challenges also lie in the fast-changing technology which will provide consumers with increased alternatives in conducting financial transactions. 1.3 Regulatory Changes
understanding of the overall industry picture vis-à-vis customers’ businesses, especially the significant changes in products and services provided by KBank in response to the fast-paced digital era. This
consolidated risk management framework that emphasizes management of risks, e.g., credit, market, liquidity, operational, digital and strategic risks. KBank’s risk management structure clearly determines duties
established in line with international guidelines and principles, and applied throughout the Conglomerate. We engage in a consolidated risk management framework that emphasizes management of risks, e.g., credit