affect KBank business operations, as well as impacts of climate change, to ensure sustainable growth and reasonable returns to stakeholders. 12 In 2019, KBank focused on customer service and credit risk
practices and strictly complying with regulations and relevant laws. 3.3 Customer Segments and Services During the first quarter of 2018, KBank and K Companies focused mainly on strengthening our customer
– economy, society and environment – under good corporate governance and appropriate risk management. Guided by the Customer Centricity strategy and resolution of delivering an excellent customer experience
, KBank has focused on portfolio management so as to control credit concentration within the established limits. Close monitoring of customer risk profile across industries has been undertaken through the
sustainable growth and reasonable returns to stakeholders. In 2018, KBank focused on customer service and credit risk management for every customer segment. Customers’ businesses were challenged by
change of minimum payment from 5% increasing to 8%, and a higher number of customers paying in full compared to last year. Since the beginning of the fiscal year, the Company has focused on reactivating
branch expansion and branch renovation to attract customers. For branch expansion, the Company focused on opening new branches in large shopping malls and major cities. While for branch renovation, the
including the Company. Nevertheless, the Company has continued to undertake branch expansion and branch renovation to attract customers. For branch expansion, the Company focused on opening new branches in
implementing its recycling growth strategy. Fibers IVL has restructured this segment into three market oriented verticals; Mobility, Hygiene and Lifestyle. Each vertical has a dedicated management team which is
significant traction globally. CFA Institute is dedicated to enhancing ethical and professional standards within the investment industry. This includes helping investment professionals perform in emerging