such as the closure of some businesses, temporary reduce or change the working hours and the implementation of social distancing. These situation and measures have widely impacted the world economy many

resources such as setting up a team for a specific off-site booth, etc. The Company anticipates that if the situation resolve to near normal and the implementation of vaccination against the spread of COVID

-Retail Investors, and Execution of Agreements for Management of Private Funds; “retail investor” means any investor other than institutional investor, ultra- high net worth investor, high net worth

efficiency in debt collection, expediting cases, and participating in the debt mediation project of the Legal Execution Department continuously. Moreover, the insurance broker business booked the income of 160

1Q20 to revisit the business plans as well as organizational transformation to drive additional efficiency in order to achieve long-term sustainable cost savings. The implementation of cost control

fiscal standing through the implementation of relief measures to help sustain crisis-hit businesses and cash-strapped workers, after many businesses were ordered to suspend operations in line with the

deliver excellent financial products and an unsurpassed service experience to all our customers. Meanwhile, KBank places equal importance on supporting functions which are in harmony with our business

million or 2% from Q1/2020 • However, EBITDA margin in Q1/2021 was 31.5%, increased by 5.1% from Q1/2020 as a result of the effective control of selling and administrative expenses under the implementation

Life Assurance Public Company Limited and our business partners, for service quality improvements in order to deliver an excellent customer experience. In keeping with changing customer expectations, we

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