The Bank in 2009 moved forward to develop its key projects in support of the operation plan for target achievements. Development of new projects and enhancement of existing ones for higher efficiency are as follows:

KTB Strong Branding

To create KTB brand recognition among target clients a variety of activities were organized throughout the year including versatile marketing mixed media including the press, radio spot and advertising film. This year the Bank launched new ad movies entitled "Krung Thai - Bright Side of Life" and "Thai Khemkhaeng Construction Loan Project". Additionally the Bank held a national seminar on "Thai Future under Strong Thai Economy" to build recognition of the Bank's vision as "The Convenience Bank" in which customers and general public can be confident that the Bank would stand by their side even in economic crisis.

Cash Management with Public Organizations

In conjunction with the government agencies, service providing facilities have been further developed. The main purpose was to supplement operational efficiency of such agencies and their servicing to the general public, such as cash management service system, payment of utilities, budget funds transfer, assets auction, purchase of goods in auction, letter of guarantee issuance, tax payment and return and cargo guarantee, cash delivery to treasury and deposit reporting for management.

Centralized Operation

Credit operation, legal preparation and credit line setting for business center, corporate and retail loans have been centralized for higher efficiency. Currently is in the process of organizational restructuring and system development to accommodate this project.

CRM System

To enable Branch staff nationwide to recommend all goods and services offered by the Bank and its four subsidiaries namely Krung Thai Asset Management Pcl., Krungthai-AXA life Insurance Co., Ltd., Dhipaya Insurance Pcl. And Krungthai Panich Insurance Co., Ltd instantly and efficiently CRM system (Trigger by Teller) was used. This would help expand cross selling, major source of non-interest income.