sector remained challenged by new modes of competition in a broader marketplace amid the advancing digital age and its rapid pace of technological advancement. Businesses have also had to cope with Thai

growth. Even though business loans are expected to receive an additional boost from public investment, retail loans will remain challenged mainly by fragile consumer confidence and household debt servicing

management for every customer segment. Customers’ businesses were challenged by international protectionism that continued from the previous year, limited purchasing power at home, and a changing business

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