Kasikornbank CEO Says 'More Intelligent' Lending Will Make Up for Lost Fees

The video discusses the evolving challenges in the banking sector, focusing on the impact of digital platforms on fee income and the need for new revenue streams. It highlights the importance of data analytics in making intelligent lending decisions and explores strategies for operating in China, particularly in the SME sector. The video also addresses the challenges Thai banks face in the ASEAN region and the importance of partnerships over capital investment.

What is one of the main challenges the banking sector faces due to digital transformation?

• Increased physical branch visits

• Decline in fee income growth

• Reduced customer base

• Higher interest rates

How are banks planning to generate new revenue streams?

• By expanding physical branches

• By reducing interest rates

• Through intelligent lending using data analytics

• By increasing transaction fees

What is the approach of banks towards the Chinese market?

• Cautious and small-scale operations

• Focus on retail banking

• Complete withdrawal

• Aggressive expansion

What regions are included in the ASEAN plus three framework?

• ASEAN, China, Japan, and Korea

• ASEAN, India, Australia, and New Zealand

• ASEAN, USA, Canada, and Mexico

• ASEAN, Russia, China, and India

What is a major challenge for Thai banks in expanding internationally?

• Over-reliance on digital platforms

• Insufficient capital to acquire large banking systems

• Lack of interest in foreign markets

• High domestic competition