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
(NRBS) not exceeding 2 Details related to other regulatory changes on KBank business operations during 2017 can be found in the Management Discussion and Analysis (MD&A) reports for the quarters ending
stimulus measures. Against this backdrop, KBank has established its business direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate
supervision and control of the Enterprise Risk Management Division. Market Risk in Banking Book Activities KBank is exposed to interest rate, equity price and foreign exchange risks in banking book
calling a central telephone number. Outside KBank: We keep updated with the situation around the globe and in Thailand in order to assess the impact it may have on KBank business operations which are
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
fund flows as above, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk management under the supervision of the Enterprise Risk Management
cost over the long term, which will in turn help reduce costs within the economic system.. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve
durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our
flows as above, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk management under the supervision of the Enterprise Risk Management Division