Page 21 - Annual Report 2023

ANNUAL REPORT 2023 21

STRATEGY AND PLANS

FOR YEAR 2024

BKT aims to further solidify its position as a cornerstone of the national economy, continuing its
legacy as the largest deposit bank and a “symbol of trust” in the country. Our journey into 2024
is underpinned by a steadfast commitment to sustainability and the advancement of our digital
infrastructure, reflecting our dedication to not just meeting but exceeding the evolving needs of our
customers.

Financial stability, profitability and efficiency will remain at the core of our operations, as we strive
to improve our financial health by optimizing risks and returns and ensure robust growth across all
segments. By avoiding concentration risks, we’re diversifying our portfolio in lending and investments,
ensuring a balanced and resilient financial strategy. Beyond lending, we aim to expand our services in
deposits and other customer-centric solutions, reflecting a holistic approach to banking that caters
to the diverse needs of our customers.

Central to our strategy is the continuous enhancement of our digital channels, where we will introduce
groundbreaking functionalities throughout all channels. This initiative is part of our broader effort
to modernize banking interactions, providing more personalized and efficient services through a
new branch service model. This model is designed to offer an unparalleled banking experience,
seamlessly integrating digital innovations with the warmth of human interaction.

2024 marks a significant milestone with the launch of BKT PAY, a subsidiary that heralds a new era
in Fintech for BKT. This venture underscores our leadership in payments and digital banking, setting
new standards in convenience and security for our customers and expanding financial inclusion to
whole society.

Our approach to customer relations is increasingly informed by big data analytics, allowing us to
tailor our services with unprecedented precision and care.

Investment in human capital is another priority, with comprehensive training programs, upskilling
initiatives fostering a culture of continuous learning and innovation within our team. Moreover, the
partnerships with best universities are aimed at nurturing the next generation of banking professionals
by giving opportunity them to learn and practice in the real banking environment.

As a proud member of the UN Global Compact, BKT is committed to actively engaging with the
Sustainable Development Goals (SDGs). Our operations and community outreach programs are
designed to reflect this commitment, ensuring that we contribute positively to both the environment
and society at large.

In summary, BKT is poised for a year of transformation and growth, guided by our principles of
sustainability, innovation, and financial excellence. We look forward to enhancing our services,
contributing to the economy, and making a positive impact in the lives of our customers and the
community.