Creating the Future of Finance - Breakthrough Innovation
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Penetrate Regional Market: Asset-Light Regional Expansion into AEC+3
■Growth in regional markets: strategically focusing on AEC+3 markets, KBank pursues an integrated regional operating
model: physical footprint, digital platform, and regional partnerships
Physical Footprint
South Korea
China
Lao PDR.
Lao PDR. Cambodia Myanmar Vietnam Indonesia
Japan
China
Note:
Myanmar
Indonesia
Japan
Cambodia
Vietnam
Two subsidiary banks: KASIKORNTHAI BANK (Lao PDR) with two branches in Ponesinuan and Lane Xang,
KASIKORNBANK (CHINA) with three branches in Shenzhen, Chengdu, Shanghai and one sub-branch in Long Gang
- Four international branches: Cayman Islands, Hong Kong, Phnom Penh and Ho Chi Minh City
- Six representative offices: Beijing, Kunming, Tokyo, Yangon, Hanoi and Jakarta
One strategic partner: Maspion Bank in Indonesia; KASIKORN Vision Financial Company Pte. Ltd. (KVF) signed a
Conditional Sale and Purchase Agreement (CSPA) to purchase 67.50% of shares in Bank Maspion Indonesia from 9.99%
current holding, which has finalized on December 9, 2022 (KBank and KVF together had held a total of 40% of shares in
Bank Maspion Indonesia since October 28, 2022)
- Global partners with 80 banks in 15 countries: 50 Japanese partner banks; 10 Chinese partner banks; 1 Hong Kong bank;
3 Korean partner banks; 12 ASEAN partner banks (in Vietnam, Indonesia, Lao PDR, Cambodia, Philippines, Brunei,
Malaysia and Singapore); 3 European regional banks (in Germany and Italy) and 1 Indian Bank
Digital Platform
X-Border Multi-Currency Settlement
X-Border THB Direct Settlement
X-Border Retail Payment
Partnership
AEC
C B BANK VietinBank
CANADIA BANK PLC
Hana Bank +=
AYA Bank
静岡銀行
A bank BCA KBZ BANK
se
BANK MASPION
Maybank
HACHIJUNI BANK
S 中国民生银行
CHINA HINSHENG BANK
CHUGOKU BANK
[百十四銀行
A 愛知銀行
...and others
บริการทุกระดับประทับใจ
K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Growth Strategy: Strengthen Harmonized Sales and Service Experience
■Reshape channel mix and sales model according to evolving customer behavior, to deliver
better experience and productivity
Strategy
Strengthen Digital-Led Sales and Service
By enhancing KBank Platforms to fit each customer's needs,
being where customers are through our connected platforms
and offer K PLUS as the center of customer's identify and
interaction
Optimize Physical Service and Human Touch
To provide suitable service level for each customer's segment and
each touchpoint rather than One-Size Fit All and serve proactively
through digital capabilities
Enhance basic infrastructure to Harmonized
Physical and Digital Customer Experience
By implementing "Service Culture", "Feedback Loop" and
"Knowledge Management" throughout the organization,
enhancing "Risk and Fraud Management" and integrating
"Customer Profile" though all channels
Key Achievements in Y2022
#1 mobile banking in Thailand: 20.0 million total K PLUS
users with 73% active rate
Partners
Partners in selected ecosystem
(University and Healthcare,
"
E-commerce & Lifestyle
platforms, E-wallet & Payment,
and Joint Venture - Lending, Debt
collection and Asset
Management)
BaaS
KBank open API
(QR payment, bill payment, slip
verification, inward remittance,
facial recognition, RP proxy,
information sharing service via
K+, pay with K+, KGP merchant
payment platform and Fund
Transfer)
#1 NPS 2022 among banks in Thailand
824 branches and 10,953 ATMs and CDMs nationwide
Over 240,000 banking agent touchpoints
Note:
RP Relying Party, KGP KASIKORN Global Payment
NPS
Net Promoter Score
CDM
Cash Deposit Machines
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