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from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent
regulatory changes, especially new mortgage measures which will come into force in April 2019, implementation of the Basel III capital requirements, and preparations for International Financial Reporting
work system, personnel and risk management to act as an identity provider and source of data in the digital format for their business partners. Major guidelines on these practices under the National
operations in Thailand. In parallel, the Project developed a work system and improved relevant work processes and guidelines for mapping out a business plan that is consistent with IFRS 9, ensuring that we are
to extend our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives. To this end, we work to