, the Company has been careful and selective during the current economic situation and can maintain 1.3% NPL ratio. As at the end of 3Q2020, the total number of “Boonterm Kiosk” was 130,065 kiosks. The

result of the decline in desert café sales in Q1/2020 corresponding COVID-19 situation while fixed selling and administrative expenses in Q1/2020 remained constant (The result of cost-saving initiatives

household debt, domestic political uncertainties and fluid international economic policies, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk

Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 16 Executive Summary The Company implemented proactive measures to timely manage the situation rapidly

Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 15 Executive Summary The Company implemented proactive measures to timely manage the situation rapidly

. Moreover, other operating expenses increased by Baht 4,381 million or 6.41 percent, especially from branding campaigns and marketing activities in line with KBank’s business direction. As a result, the cost

to be temporary. As well, economy of developing countries in Asia still enables to be well expanded by mainly receiving supportive factors from recovery of domestic demand, which includes a direction

, regulatory changes, and technological advancements which affected consumer behavior. KASIKORNBANK has established business direction primarily by considering the balance of three dimensions – economy, society

stimulus measures. Against this backdrop, KBank has established its business direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate

management discussion and analysis for the 2nd quarter of 2020 and 6-month period ended 30 June 2020, as follows: The Group’s Operation under the Epidemic Situation of Coronavirus 2019 Due to the global