management. Furthermore, KBank enhanced processes and statistical models for stress testing in keeping with the changing economic conditions and risk trends. We also put in place guidelines for handling
debts, KBank has enhanced recovery and collection strategies to better respond to the varied risk levels of different customer groups. KBank managed customers in such a way as to prevent them from
customers. Along with this, KBank provided our customers advisory services through recommendations of a wide variety of products for enhanced efficiency in funding source management, including loan management
heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership
portfolio management to recovery and collection, has been established and continuously enhanced to appropriately reflect risk involved, as well as promote business capability. Portfolio Management KBank
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
markets, KBank is closely monitoring the situation and assessing possible impacts. For instance, we have enhanced the frequency of impact assessment and continuously monitored the market situation to ensure
faster and with greater convenience at PTT Station and PTT Group retail stores. 3.4 Service Channels KBank maintained our commitment to developing efficiency in all our core service channels for enhanced
for enhanced convenience to our customers in keeping with the digital lifestyle. For credit cards, KBank focused on acquiring new high-income customers through the launch of credit card products to meet
Strategic Global Multi-Asset Fund (K-SGM) and K Global Risk-Enhanced Allocation Fund (K-GREAT). Affluent KBank continued to focus on becoming our Customers’ Main Bank in this segment, in order to increase