creating differentiation through personalized products and services and enhancing retention program as well as digitalizing channels and operational processes to gain fair market share and expand our scale

was uneven, with improvement concentrated in only certain industries. Under these circumstances, KBank has developed effective credit risk management policies, tools and processes to cope with potential

these regulatory changes. We have prepared internal processes and developed employees’ skills to ensure that our services are appropriately provided to customers in line with international standards

events. Subject to our regular reviews and improvements in liquidity risk management processes at KBank and K Companies, these actions are consistent with economic circumstances and rapid changes in the

oil during the winter in the United States where the temperature was record cold in over 100 years.  Gasoil/Dubai (GO/DB) crack spread in 2017 was averaged at 12.51 $/BBL, increased by 1.71 $/BBL

Q3/2023. • The consumption of electricity during January and August 2019 was at 131,124 GW, increased by 4.9% when comparing to the same period last year. This was mainly due to the higher temperature

licenses, industrial, commercial or financial contracts (including contracts with customers or suppliers) or new manufacturing processes, where such factors are material to the issuer's business or

and production processes, modification and mixing of fuel material to improve combustion resulting in better heat rate and lower fuel consumption per 5 unit and also improvement of feedstock procurement

-Customer (KYC) and Customer Due Diligence (CDD) procedures for registrants’ identity authentication, retention of data and support documents, as well as relevant risk management processes. These practices

processes to ensure that the client is the same person whose identity appears in the evidentiary documentation of an application for doing business transactions with the securities company , and verify the