the loan interest rate to assist customers impacted by COVID-19 pandemic together with more conservative loan approval. However, the bank’s interest expenses dropped from the reduction of the

of the Company (Whitewash) pursuant to Notification No. SorKor. 29/2561. The approval for the the waiver from the requirement to make a tender offer for all securities of the Company above shall be

customer approval criteria for commercial lending policies, and closely monitored small and micro businesses. At the same time, KBank has been continually cautious in credit underwriting of retail customers