KBank aims to achieve a double-digit return on equity within 2026 through its ‘Strategy 3+1’ plan that focuses on three priorities for sustainable growth and an additional mission to generate new income in the medium and long term. The bank’s Chief Executive Officer, Ms. Kattiya Indaravijaya, emphasizes the importance of being a dependable partner to customers and stakeholders and delivering solid performance amidst global economic unpredictability. KBank will concentrate on reinvigorating credit performance, scaling capital-lite fee income businesses, and strengthening sales and service models. The bank also plans for new revenue creation in the medium and long term that will contribute around 5% to net profit within the next five years. The 2024 financial targets include loan growth, maintaining net interest margin, net fee income growth, cost to income ratio, NPL ratio, and credit cost. KBank will also focus on three key enablers: modern technology, scalable data and analytics, and a performance-driven organization.