) contains a salient point on amendment to the Bank of Thailand’s limited authority under Financial Institution Business Act B.E. 2551 (2008) to ensure enhanced efficiency in supervising specialized financial

operating efficiency and the decrease in marketing expenses that resulted from the company’s policy to increase marketing effectiveness 4. Finance costs were Baht 75.93 million, an increase of Baht 2.66

marketing effectiveness, the decrease in allowance for doubtful account receivables, and the increase in operating efficiency. 4. Finance costs were Baht 227.55 million, a decrease of Baht 4.82 million or

Legislative Drafting and Evaluation of Law B.E. 2562 (2019), any government body that upholds the power to enforce a law is required to assess effectiveness of the law within a specified time. Hence, the

and efficiency of the capital market. This will contribute to the robust and sustainable growth of the economy. We envision opportunities for developing the Thai capital market to support the

the company’s policy to increase marketing effectiveness, the decrease in allowance for doubtful account receivables, and the increase in operating efficiency. 4. Finance costs were Baht 298.04 million

account profitability improvement or other factors that would be more accurate for measuring effectiveness and efficiency of the agreement, for example, calculation from an increase in sales and adjusted by

has been overseen by Credit Risk Management Sub-committee and Credit Process Management Sub-committee to ensure efficiency and effectiveness in all relevant processes, thus allowing KBank to deliver a

expenses and cost effectiveness. 4. Tax expenses s increased by Baht 4.67 million compared to the same period Of the prior year. Sincerely yours, (Mr.Pongpat Patanavanich) Managing Director

expenses decreased by Baht 36.58 million or 6.11 % due to the effectiveness of costs and expenses control. 3. Finance costs decreased by Baht 1.70 million or 8.86% due to financial institutions interest