KBank.  Monitor customers’ credit line utilization and customer status via early warning signs. Guidance has been provided for Relationship Managers (RMs) to contact customers at an early stage when

timely manner prior to deterioration of customers’ debt servicing capability and overall credit quality of KBank.  Monitor customers’ credit line utilization and customer status via early warning signs

Trade Competition Commission – a separate independent body to supervise trade competition with greater flexibility. As a provider of financial services operating under the purview of this Act, KBank

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

(“ตลท.”) / ASCO / สมาคมส่งเสริมสถาบนักรรมการ บริษัทไทย (“IOD”) / สมาคมบริษัทจดทะเบียนไทย (“TLCA”) / สภาธุรกิจตลาดทุนไทย (“FETCO”) / ธนาคารกสิกรไทย (“KBANK”) / ผู้บริหารของบริษัทหลักทรัพย์ 3 ราย และผู้

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

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

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

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