financial services has been formulated to be consistent with the Bank of Thailand’s revised practical guidelines on regulatory sandbox which allows financial service providers to experiment with their
addition, the economic slowdown in 2019 created a price war competition in this industry. For this quarter, the outbreak of COVID-19 since middle of March 2020 caused a direct impact toward customers
monitored and controlled to prevent over-exposures in particular sectors, taking into account trend of industry growth and capital impact. Credit Underwriting and Approval KBank has formulated lending
tourism in Thailand that led to a continuous decrease in number of tourists especially from China which is our target customers. The Company was responsive of the situation and formulated new strategies and
housing inventory. Unavoidably, these created price competitiveness among the real estate developers. (2) Rent and Service Business This year, revenue from rent and service business was THB 341.19 million
Companies dated 29 June 2006. Clause 2 In the Notification: “electronic data” means data that are created, sent, received, stored or processed through electronic procedures; “securities company reporting
and depending on maximizing of shareholder interest. In addition, the proposed of this information memorandum is for providing information only and shall not be created as an offer to buy or
only and shall not be created as an offer to buy or subscription of any securities. Please be informed accordingly. Yours sincerely, (Mr. Wachira Wudhikulprapan) Managing Director
marketing campaign between Beverages and Food Business, which was created synergy savings that help the Company can grow revenue continuously. Administrative Expenses Administrative expenses was Baht 2,083