strengthen customer perception towards KBank as an “Embedded Trust” agent, offer products and services “Beyond Banking” and stay relevant to “Everyone, Every Day, Every Way and Everywhere” in order to deliver

grew at a higher rate of 6.51 percent, compared to 1.46 percent at the end of 2016. KBank ranked fourth in assets, deposits and net loans in the commercial banking system, with the market shares of 13.30

- and long-term, to ensure that we continue to adopt proper fund-raising strategies. 2.4 Digital Risk Management KBank aims to maintain our growth and our market leadership in digital banking services in

single brand of KASIKORNBANK. In alignment with our business strategies for 2019, KBank and subsidiaries thus reported Baht 38,727 million in net profit, increasing Baht 268 million or 0.70 percent

1, 2020. Currently there are 5 D-SIBs in Thailand which are Bangkok Bank, Krung Thai Bank, Bank of Ayudhya, KASIKORNBANK, and Siam Commercial Bank. Over the past years, KBank has always recognized the

KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai Life Assurance Public Company Limited and our strategic partners. Being aligned with our business strategies for 2018, KBank and subsidiaries thus reported Baht

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

e-Wallets.  High Net Worth Individual Through our KBank Private Banking service, we were determined to act as a well-versed advisor for High Net Worth Individual clients in matters of saving and

letter of credit issued by a foreign financial institution as collateral. KBank has put in place operational procedures to accommodate these new regulations along with preparation for other relaxations by

our no-gift policy to executives and employees of KBank, other companies under KASIKORNBANK FINANCIAL CONGLOMERATE, as well as our counterparties and customers • Reviewing knowledge and understanding on