Krungthai Bank performs its role to support and help pushing forward the government in various fields with the intention of steering Thai economy to grow and attain higher potential. Recently, there were plentiful new challenges affecting the business part of the Bank i.e. the economic fluctuations, technological advancements, dramatic changes in consumer behavior as well as the amendment of new rules and regulations that turned to be both opportunities and restrictions for the Bank’s business operation. Since these factors were likely to place impacts towards banking sector sooner than expected; consequently, the Bank was required to adjust itself straightaway to keep up with changes and allocated resources with utmost efficiency to correspond with business competition along with supporting the government policies to drive Thai economy to grow sustainably. Therefore, in 2020 the Bank remodels and operates business under 2 Banking Model concurrently as follows: