Currency and Interest Rate Outlook
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
Note:
South Korea
China
Lao PDR.
Myanmar
Japan
Cambodia
Vietnam
Indonesia
- 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
- Three international branches: Cayman Islands, Hong Kong, and Phnom Penh
Seven representative offices: Beijing, Kunming, Tokyo, Yangon, Ho Chi Minh, Hanoi, and Jakarta
- One strategic partner: Maspion Bank in Indonesia
- Global partners with 82 banks in 17 countries: 50 Japanese partner banks; 10 Chinese partner banks; 1 Hong Kong bank;
3 Korean partner banks; 13 ASEAN partner banks (in Vietnam, Indonesia, Lao PDR, Cambodia, Philippines, Brunei,
Malaysia, Singapore and Myanmar); 4 European regional banks (in Germany, Italy and Russia) and 1 Indian Bank
Physical Footprint
Lao PDR. Cambodia Myanmar Vietnam Indonesia
Digital Platform
Japan
China
X-Border Multi-Currency Settlement
X-Border THB Direct Settlement
X-Border Retail Payment
Partnership
AEC
CB HAMK MetinBank
Beha
C
A bank BCA
BANK MASPION
Hana Bank +
HACHUN BARK
AYA Bank
靜岡銀行
CHUGOKU BANK
KRZ BANK
Maybank
He
百十四街
...and others
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K
KASIKORNTHAI
ธนาคารกสิกรไทย
开泰银行 KASIKORNBANK
Penetrate Regional Market: KBank's Regional Digital Expansion via 3 Strategic Plays
■To achieve rapid regional digital expansion in AEC+3, KBank will use 3 strategic plays, each supporting the others, to
build growth momentum and accelerate customer base development & financial return
Strategic Plays
2021 Strategic Actions
DIGITAL LENDING & BANKING-AS-A-SERVICE
End-to-end online high-yield credit capabilities with expansion to
lending platform (BaaS: Bank as a Service)
Disruptive
Play
Origination
Monitoring
CREDIT TECH
Underwriting Credit Scoring Loan Booking
Guarantee
Collection
Operation
KBank &
FI Partners
Pilot digital lending with
local partners
Mass
Acquisition
Play
MASS ACQUISITION WITH TRANSACTIONAL BANKING
Customer acquisition through local platforms with engagement via
transactional banking
Business
EDC & PGW
Ecosystem
Partners
Retail
K+
ATM / Agent
Build 4 transactional
banking channels
with low-risk, stage-gate
execution
K-Cyber
Banking
AGGRESSIVE CORPORATE LENDING
Aggressive lending by capturing four main customer groups
Aggressive
Play
Customer Group
Locally Listed
Companies
Local Large
Corporates
TDI
AEC+3
Grow corporate lending
portfolio aggressively with
competitive pricing
Note: TDI = Thai Direct Investment; EDC Electronic Data Capture; PGW = Payment Gateway
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