Currency and Interest Rate Outlook

K KASIKORNTHAI Intelligent Lending ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK Continuously support our customers with better serve end-to-end journey; these includes: ■ Enhance ability to leverage overall data foundation, develop insight-driven methods in defining customer qualification criteria and credit scoring to promptly offer personalized lending experience where needs; while the bank still balance acceptable risk and fair return. ■ Proactive implement customer-centric collection strategy with appropriate approach and portfolio quality improvement End to End Credit Journey Target Port Lead Generation Reach ABA Marketing & Offering Credit Assessment Monitoring & Collection Expected Outcome Wider Customer Reach Higher Conversion Optimized Risk Return Faster Time to Market บริการทุกระดับประทับใจ 33 K KASIKORNTHAI Proactive Risk & Compliance Management Value Enabler Partner with business and provide effective integrated risk solutions Key Capabilities ธนาคารกสิกรไทย 开泰银行 KASIKORNBANK • Predictive and integrated customer segment-based credit analytics Data-led asset quality management to provide persona-based relief packages/collection treatment to Covid-19 affected customers Intelligent fraud management in all key business processes Effective risk management execution for business partners and 3rd parties ☐ ☐ Credit risk analytics & integrated credit portfolio planning & monitoring Enhanced fraud analytics & incident management Value Protector Strengthen & secure our business to be resilient and sustainable • Prudent risk-based provision and capital management Early error detection through effective quality assurance and fraud management Effective and proactive compliance management Customer data governance ■ Customer data protection Organization-wide prudent risk culture • and management Agile way of working and delivering integrated risk solutions Continuity & Resilient Operation under COVID-19 บริการทุกระดับประทับใจ 34

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