investment discipline, and help them more effectively manage their daily spending. Notable initiatives in this quarter were: (1) the opening of K-eSavings Account via K PLUS; (2) the launch of mutual funds
Section 133 Securities and Exchange Act B.E. 2535 Section 133. The securities company shall manage a private fund with honesty and care to preserve the interests of the person who has authorized the
Section 117 Securities and Exchange Act B.E. 2535 Section 117. In the management of a mutual fund, a securities company may set up and manage a mutual fund only when its application to set up the
strengthened on the back of funds inflow. However, signs of concern over the Thai economic slowdown and additional measures of the Bank of Thailand to manage international capital movements somewhat curbed the
quarter, net interest income advanced over-quarter and over-year. Likewise, net interest margin (NIM) was stable from the previous quarter. This reflected commercial banks’ attempts to manage funding cost
dynamically manage credit risk while setting the direction of credit portfolio and business targets at customer and product levels on a continual basis. ACPM facilitates proactive management of credit risks on
management mechanisms as follows: Set up Credit Risk Management Sub-committee and Credit Process Management Sub-committee. The committees manage a balance between credit risks and process efficiency to
actions against cyber threats. People and culture: KBank continues to emphasize the cultivation of a cyber risk-aware culture via communication through various formats. Notable endeavors included a
credit approval process improvement to manage risk level under defined risk appetite. Aside from the above practices, we realize the importance of Corporate Social Responsibility practices in our credit
business overseas. VGM has recently expanded its footprint into Indonesia, securing a 20-year concession to manage Transit media in North-South line – the first mass transit system in Jakarta. In the end