and sustainability. • Natural gas prices continuously decreased in the second half of 2019 and has a slight downward trend in 2020. However, variou s situations remain uncertain, making it challenging

areas with a high risk of COVID-19 transmission and limiting travel. Moreover, the government has introduced various stimulus measures and programs to boost spending, such as Co-Pay, the ‘Let’s Travel

the core strategy of “Customer Centricity”, we continued to place our focus on making KBank our Customers’ Main Bank. We have therefore developed our business in various dimensions – from eight customer

various channels, thus ensuring that electronic financial services provided by financial institutions, including commercial banks, are effectively resilient to cyberattacks. 2. Unemployment and

Details of various risk management and other related information, in accordance with the Bank of Thailand Pillar 3 requirement and disclosure principles, are shown in “the Basel III Pillar 3 Disclosure

into new markets and reinforcing existing business in which we currently operate by offering more diverse products that fully meet consumers’ preferences. In addition, this partnership will be one of the

. Meanwhile, the private sectors continued to slow down investment. Private households in various sectors paid more attention on spending because there were still having problem on purchasing power and incomes

sector continued to slow down investment. Private households in the various sectors paid more attention on spending because there were still having problems on purchasing power and incomes which are not

system 6 remained adequate, thus there were no signs of intense competition in the deposit market, especially amid continuous fund inflows. These factors affected KBank liquidity in various dimensions. We

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