0.43 Interim Management Discussion and Analysis Analysis of Overall Performance The distribution business of the plastic resins, plastic, and petrochemical related products needs relatively high working

on financial instruments in the nine month period of 2020 were Baht 224 million, a decrease of 82 percent compared to the nine month period of the previous year, due to the extreme volatility and sharp

to lower household income, sharp decline in employment, particularly in export-related manufacturing sectors, and high rate of household debt. Despite the government economic stimulus, the impact of

our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives, in order to deliver an excellent

platform that can meet customers’ needs in every aspect of their lives by leveraging our strengths as Thailand’s number-one digital banking provider and enhancing our services under three-pronged approach

to extend our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives. To this end, we work to

extended our aspiration to become the most-preferred platform that can meet customers’ needs in every aspect of their lives. All of these endeavors aim to understand and anticipate each individual customer’s

our strengths while ensuring cost- effectiveness, and to better serve customer needs that are ever more complex and varied. However, connectivity of KBank to other businesses within the ecosystem may

treasury business: Focus has been on holistic risk management to support needs for product variety amid fast-changing market conditions, with the proliferation of business innovations in order to integrate

ability, which may curb demand for secured loans, especially housing loan. Meanwhile, debt quality still needs close watch given the complexity of its management, taking into account the tackling of