potential and preparedness;                (4)  Enhancing Competitiveness and Creating Opportunities from International Connectivity: To enable regulatory framework by conducting a regulatory guillotine

C ha ng e ( pe rce nt) 2 on financial transactions via digital channels and declining insurance premiums. Non-performing loans to total loans in this quarter was stable from the end of the prior

could be attributed to increase in impairment loss on loans and debt securities in line with non-performing loans to total loans, which remained at a high level. Net fees and service income – one of

KBank in conducting co-promotion activities to expand our home loan customer base in viable areas. To differentiate ourselves from peers and meet customer needs, KBank offers comprehensive home-related

unauthorized use of another person’s information for conducting transactions, as well as to prevent money laundering, along with financing of terrorism and proliferation of weapons of mass destruction. Major

quarter of 2019, KBank provided support to e-payment service via all channels to provide greater customer convenience in conducting transactions, especially for those related to dining, travelling and

identity verification documents to service providers.) The new law provides them more options in conducting proof of identity and identity verification via digital system based on established guidelines. A

the execution of social enterprises of PTT and the companies in the Group. It aims at conducting business to resolve social, community and environmental issues, and also at promoting employment of

agreements which have been transferred to the Buyer are in order and can be used for conducting an ordinary cause of business by the Buyer. 11 6. Expected Benefits to the Company (1) To follow the Company’s

conclusion on operational guidelines and effective date appropriate for Thailand. For our internal management, we are developing and testing the work system along with conducting a parallel run, as well as