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-corruption in the Thai Capital Market”). Changes to the provident fund took effect January 2015. 25ANNUAL REPORT 2014THE SECURITIES AND EXCHANGE COMMISSION To achieve sustainable development of the Thai
enhancement of our business capabilities to achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customer Centricity”, KBank has extended
accentuate enhancement of our business capabilities to achieve sustainable growth and returns while maintaining our long-term market leadership. The philosophy of sustainable development is instilled in all
the enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership over the long term through collaboration and synergy with other companies within
Digital Risk Management 18 Strategic Risk Management 19 3. Business Directions and Operations of Core Businesses 21 3.1 Sustainable Development and Corporate Governance 21 3.2 Business Directions of
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